secwatch.observer — SEC 8-K summary
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Issuer:     Kentucky First Federal Bancorp (KFFB)
CIK:        0001297341
Form:       8-K
Filed at:   2022-09-02T23:59:59+00:00
Accession:  0001213900-22-053505
Event type: earnings
Sentiment:  negative
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1297341/000121390022053505/0001213900-22-053505-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1297341/000121390022053505/ea165328-8k_kentucky.htm
  HTML page:      https://secwatch.observer/filing/0001213900-22-053505

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