Kentucky First Federal FY net income $1.6M ($0.19 EPS), down 12.6% YoY; Q4 net $206K ($0.02), down 70.2%

Kentucky First Federal Bancorp

Net interest income decreased 8.5% to $9.2M for FY; Q4 net interest income decreased 19.1% to $2.2M.
Non-interest expense down 7.0%; provision for loan losses was $60K credit vs $192K expense prior year.
Assets down 3.0% to $328.1M; loans net down 7.8% to $274.6M; deposits up 5.7% to $239.9M.
Book value per share $6.38; Community Bank Leverage Ratio at 15.2%, well above 9% minimum.
Non-interest income fell 13.4% to $515K, primarily due to lower gains on loan sales.

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