Kentucky First Federal Bancorp KFFB Income Statement

Kentucky first federal bancorp (KFFB)

Income statement / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Sep'10
Interest income
Loans, including fees
12,515	12,424	12,305	12,021	11,789	11,598	11,430	11,312	11,174	11,098	10,972	10,895	10,863	10,873	11,055	11,254	11,445	11,727	11,888	11,996	12,255	12,354	12,570	12,681	12,926	13,240	12,264	11,466	10,354	9,336	9,511	9,664	9,871	9,923	10,030	10,146	0	0	0
Mortgage-backed securities
24	26	29	31	28	34	37	41	49	49	44	57	66	81	96	94	99	97	104	110	114	119	125	132	144	158	170	185	199	214	235	256	277	300	326	355	0	0	0
Other securities
20	20	18	13	0	0	0	-	-	-	4	7	11	14	16	18	23	22	24	25	26	28	28	29	30	31	24	17	9	1	0	-	0	0	-	-	0	0	-
Interest-bearing deposits and other
521	597	630	635	625	589	563	533	486	453	408	357	330	297	272	268	258	257	258	258	266	278	290	308	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Interest-bearing deposits and other
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	269	257	240	235	239	240	239	246	0	0	0
Total interest income
13,080	13,067	12,982	12,700	12,449	12,225	12,031	11,886	11,706	11,601	11,428	11,316	11,270	11,265	11,439	11,634	11,825	12,103	12,274	12,389	12,661	12,779	13,013	13,150	13,417	13,745	12,769	11,958	10,831	9,807	9,987	10,156	10,388	10,465	10,597	10,749	0	0	0
Interest expense
Interest-bearing demand deposits
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Interest-bearing demand deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	-	-	-	-	-
Savings
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	-	-	-	-	-
Certificates of Deposit
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Certificates of Deposit
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	-	-	-	-	-
Deposits
2,364	2,243	2,122	1,976	1,838	1,696	1,550	1,402	1,261	1,154	1,065	1,018	1,010	1,009	1,025	1,058	1,097	1,152	1,181	1,190	1,198	1,198	1,262	1,341	1,377	1,404	1,319	1,255	1,239	1,260	1,387	1,567	1,729	1,953	2,231	2,486	0	0	0
Borrowings
1,297	1,381	1,377	1,276	1,134	992	843	759	681	604	532	439	363	328	313	302	286	263	246	238	240	244	254	277	312	349	381	431	489	535	587	612	609	602	612	695	0	0	0
Total interest expense
3,661	3,624	3,499	3,252	2,972	2,688	2,393	2,161	1,942	1,758	1,597	1,457	1,373	1,337	1,338	1,360	1,383	1,415	1,427	1,428	1,438	1,442	1,516	1,618	1,689	1,753	1,700	1,686	1,728	1,795	1,974	2,179	2,338	2,555	2,843	3,181	0	0	0
Net interest income
9,419	9,443	9,483	9,448	9,477	9,537	9,638	9,725	9,764	9,843	9,831	9,859	9,897	9,928	10,101	10,274	10,442	10,688	10,847	10,961	11,223	11,337	11,497	11,532	11,728	11,992	11,069	10,272	9,103	8,012	8,013	7,977	8,050	7,910	7,754	7,568	0	0	0
Provision for loan losses
64	64	59	11	89	193	196	185	127	189	238	242	226	60	8	15	52	88	298	343	351	393	354	580	614	697	918	662	636	475	165	139	81	682	643	668	0	0	0
Net interest income after provision for loan losses
9,355	9,379	9,424	9,437	9,388	9,344	9,442	9,540	9,637	9,654	9,593	9,617	9,671	9,868	10,093	10,259	10,390	10,600	10,549	10,618	10,872	10,944	11,143	10,952	11,114	11,295	10,151	9,610	8,467	7,537	7,848	7,838	7,969	7,228	7,111	6,900	0	0	0
Non-interest income
Earnings on bank-owned life insurance
76	75	74	74	75	74	444	449	453	459	94	94	94	93	94	93	93	93	93	93	93	92	91	91	91	91	91	90	90	91	90	90	89	89	89	90	0	0	0
Net gain on sales of loans
75	49	21	29	33	37	42	28	0	0	0	-	0	0	-	51	41	54	41	28	28	15	26	55	113	144	177	200	142	111	81	23	71	86	127	155	0	0	0
Net gain (loss) on sales of real estate owned
0	0	-	10	12	13	14	52	49	44	37	67	133	141	177	120	135	118	224	207	120	145	-5	-14	38	80	69	82	34	-1	21	1	2	-12	-55	-36	0	0	0
Valuation adjustment for real estate owned
0	0	-	66	0	0	0	-	0	-	0	-	0	0	-	151	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gains on sales of investments
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Valuation adjustments of OREO
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	94	81	84	101	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Valuation adjustment for REO
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25	0	0	0	-	0	0	-	-	-	-	-
Unrealized loss-other real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-81	-71	0	0	0
Bargain purchase gain
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-
Bargain purchase gain
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-
Other
162	181	187	187	204	194	175	199	228	248	287	285	273	275	271	274	280	273	279	273	274	289	297	313	327	330	278	220	150	94	88	93	99	101	108	104	0	0	0
Total non-interest income
283	283	248	243	251	227	620	691	661	694	334	362	500	391	441	387	339	426	532	514	421	460	325	344	609	611	1,531	1,525	1,256	1,209	223	140	142	145	188	242	0	0	0
Non-interest expense
Employee compensation and benefits
5,595	5,647	5,702	5,796	5,972	5,879	5,780	5,695	5,431	5,422	5,369	5,344	5,242	5,335	5,384	5,319	5,243	4,989	4,761	4,859	5,143	5,350	5,481	5,353	5,211	5,129	4,684	4,289	3,849	3,390	3,345	3,238	3,175	3,056	3,006	3,057	0	0	0
Occupancy and equipment
585	615	644	671	667	676	678	666	669	657	661	685	707	706	703	669	624	655	627	610	612	538	543	552	546	561	472	410	373	321	346	355	353	358	358	355	0	0	0
Voice and data communications
0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Advertising
187	187	207	226	228	243	257	248	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Outside service fees
173	172	163	150	156	154	167	168	159	153	160	162	153	149	138	145	166	202	208	198	189	148	142	140	128	127	275	276	309	306	228	267	243	222	143	100	0	0	0
Legal fees
-	-	-	-	-	-	-	-	-	-	-	-	34	55	59	75	103	108	116	94	66	44	31	35	56	127	163	199	261	262	351	365	340	258	164	135	0	0	0
Data processing
500	467	442	442	444	438	442	439	427	418	401	396	401	399	397	397	392	411	424	429	457	446	437	457	462	494	441	379	309	235	247	241	232	230	237	246	0	0	0
Auditing and accounting
115	73	53	40	144	202	241	273	267	284	292	305	324	304	288	276	258	252	254	252	287	294	295	263	209	186	154	147	91	66	51	84	155	196	226	205	0	0	0
FDIC insurance premiums
-	-	-	-	-	-	-	-	-	-	-	-	126	153	221	215	216	221	221	230	231	234	233	230	233	253	232	201	171	131	133	144	161	170	183	197	0	0	0
Franchise and other taxes
258	258	257	255	255	253	250	246	242	238	239	240	239	241	244	247	251	254	257	261	264	267	268	269	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of intangible assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	87	119	130	131	131	0	0	0
Foreclosure and real estate owned expenses (net)
81	82	113	102	92	106	96	107	109	104	124	111	117	110	88	95	98	112	155	180	208	211	193	160	0	0	0	-	-	-	-	-	-	-	155	159	0	0	0
Franchise and other taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	200	177	180	182	185	186	188	191	0	0	0
Foreclosure and OREO expenses (net)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	-	-	-	-	-
Other
732	766	779	796	817	821	832	844	600	688	769	823	1,150	1,132	1,130	1,111	1,047	945	915	929	927	974	969	951	921	930	857	752	667	558	488	474	379	486	514	506	0	0	0
Total non-interest expense
8,416	8,483	8,605	8,727	9,031	9,035	9,011	8,945	8,655	8,626	8,521	8,531	8,493	8,584	8,652	8,549	8,398	8,149	7,938	8,042	8,384	8,506	8,592	8,410	8,195	8,222	7,608	6,911	6,198	5,383	5,364	5,423	5,453	5,434	5,305	5,282	0	0	0
Income before income taxes
1,222	1,179	1,067	953	608	536	1,051	1,286	1,643	1,722	1,406	1,448	1,678	1,675	1,882	2,097	2,331	2,877	3,143	3,090	2,909	2,898	2,876	2,886	3,528	3,684	4,074	4,224	3,525	3,363	2,707	2,555	2,658	1,939	1,994	1,860	0	0	0
Current
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	474	339	-43	0	0	0
Deferred
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-343	-189	147	0	0	0
Federal income tax expense
200	190	159	141	84	57	-130	-37	0	0	0	-	0	0	-	596	676	861	952	1,021	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NET INCOME
0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total federal income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,196	1,257	1,308	0	0	0	-	0	-	-	-	-	-	-
Total federal income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	131	150	104	0	0	0
NET INCOME
-	-	-	-	-	-	-	1,323	1,527	1,533	918	935	1,100	1,110	1,260	1,501	1,655	2,016	2,191	2,069	1,956	1,908	1,927	1,934	2,349	2,488	2,817	2,916	2,457	2,355	1,816	1,715	1,892	1,808	1,844	1,756	0	0	0
EARNINGS PER SHARE
Basic and diluted
0.03	0.03	0.03	0.04	0.02	0.02	0.02	0.00	0.02	0.11	0.03	0.02	0.02	0.03	0.04	0.05	0.02	0.05	0.06	0.07	0.06	0.07	0.05	0.05	0.06	0.07	0.05	0.10	0.08	0.12	0.07	0.05	0.07	0.05	0.06	0.07	0.06	0.06	0.04
DIVIDENDS PER SHARE
0.10	0.10	-	-	0.10	0.10	-	-	-	0.10	0.10	-	0.10	0.10	0.10	-	0.10	0.10	0.10	-	0.10	0.10	0.10	-	0.10	0.10	0.10	-	0.10	-	-	-	-	-	-	-	0.10	0.10	0.10
DIVIDENDS PER SHARE (in dollars per share)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.10	-	0.10	0.10	0.10	-	-	-	-