{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-22-053505","form_type":"8-K","ticker":"KFFB","cik":"0001297341","company_name":"Kentucky First Federal Bancorp","filed_at":"2022-09-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:55.307313+00:00","generated_at":"2026-06-23T16:17:12.663456+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Kentucky First Federal FY net income $1.6M ($0.19 EPS), down 12.6% YoY; Q4 net $206K ($0.02), down 70.2%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-22-053505","json":"https://secwatch.observer/filing/0001213900-22-053505.json","markdown":"https://secwatch.observer/filing/0001213900-22-053505.md","text":"https://secwatch.observer/filing/0001213900-22-053505.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1297341/000121390022053505/0001213900-22-053505-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1297341/000121390022053505/ea165328-8k_kentucky.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T16:17:12.663456+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}