Kentucky First Federal Bancorp (KFFB)

KFFB Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	17.74	15.01	11.81	10.66	11.98
Interest Income on Investments	1.5	1.26	0.95	0.26	0.17
Total Interest Income	19.24	16.28	12.76	10.91	12.15
Interest Paid on Deposits	8.15	6.06	1.81	1.39	1.71
Interest Paid on Borrowings	2.75	3.22	2.09	0.37	0.43
Total Interest Expense	10.9	9.28	3.9	1.75	2.14
Net Interest Income	8.34	6.99	8.86	9.16	10.01
Net Interest Income Growth (YoY)	19.26%	-21.02%	-3.32%	-8.50%	7.37%
Gain (Loss) on Sale of Assets	-	-	-	-	-0
Other Non-Interest Income	0.3	0.24	0.29	0.3	0.26
Total Non-Interest Income	0.5	0.25	0.3	0.52	0.6
Non-Interest Income Growth (YoY)	99.20%	-16.89%	-41.36%	-13.44%	49.12%
Revenues Before Loan Losses	8.84	7.25	9.16	9.68	10.61
Provision for Loan Losses	0.04	0.02	0.11	-0.06	0.19
Revenue	8.8	7.22	9.05	9.74	10.41
Revenue Growth (YoY)	21.89%	-20.17%	-7.09%	-6.52%	8.25%
Salaries and Employee Benefits	4.85	4.99	4.91	4.78	5.24
Occupancy Expenses	0.55	0.59	0.61	0.63	0.65
Federal Deposit Insurance	0.25	0.24	0.12	0.07	0.17
Selling, General & Administrative	1.86	1.6	1.25	1.26	1.37
Other Non-Interest Expense	0.97	0.73	0.83	0.83	0.76
Total Non-Interest Expense	8.56	8.23	7.82	7.67	8.24
EBT Excluding Unusual Items	0.24	-1.01	1.23	2.07	2.17
Pretax Income	0.24	-1.96	1.23	2.07	2.17
Income Tax Expense	0.06	-0.24	0.29	0.48	0.35
Net Income	0.18	-1.72	0.93	1.59	1.82
Net Income to Common	0.18	-1.72	0.93	1.59	1.82
Net Income Growth	-	-	-41.32%	-12.64%	-
Basic Shares Outstanding	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8
Shares Change (YoY)	-	-0.40%	-1.00%	-0.03%	-0.43%
EPS (Basic)	0.02	-0.21	0.11	0.19	0.22
EPS (Diluted)	0.02	-0.21	0.11	0.19	0.22
EPS Growth	-	-	-42.10%	-13.64%	-
Dividend Per Share	-	0.100	0.400	0.400	0.400
Dividend Growth	-	-75.00%	-	-	-
Effective Tax Rate	23.95%	-	23.96%	23.08%	16.21%

Updated Sep 19, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q