Capitol Federal Financial, Inc. CFFN Income Statement

Capitol federal financial, inc. (CFFN)

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	Jun'10
INTEREST AND DIVIDEND INCOME:
Loans receivable
281,327	283,371	284,229	280,785	274,244	266,781	260,198	257,605	256,725	255,637	253,393	250,580	247,407	245,033	243,311	241,556	239,638	237,104	235,500	234,144	232,696	231,615	229,944	227,964	227,117	226,936	228,455	230,248	231,168	234,017	236,225	240,026	244,872	246,641	251,909	258,880	0	0	0
Mortgage-backed securities (MBS)
24,874	25,309	25,730	25,493	24,801	23,890	22,619	21,998	21,898	22,699	23,809	25,234	26,814	28,325	29,794	31,194	32,642	34,477	36,647	38,922	41,279	43,339	45,300	47,141	49,354	52,203	55,424	59,518	64,243	67,966	71,156	73,639	75,114	74,265	71,332	69,243	0	0	0
Dividend Income, Operating
7,561	7,678	7,823	7,514	8,468	9,838	10,962	12,195	12,490	12,389	12,233	12,197	12,133	12,039	12,252	12,375	12,457	12,527	12,556	12,067	10,387	8,540	6,555	5,008	4,707	4,583	4,515	8,921	8,881	6,665	4,446	5,410	3,374	3,602	3,791	-3,715	0	0	0
Investment securities
6,309	6,432	6,366	6,056	5,528	5,117	4,670	4,456	4,212	4,249	4,362	4,702	5,145	5,499	5,925	6,444	6,852	7,040	7,182	6,973	6,798	6,994	7,385	7,925	8,625	9,213	10,012	11,170	12,514	14,172	15,944	16,991	18,311	18,939	19,077	19,186	0	0	0
Cash and cash equivalents
4,416	4,779	5,806	4,134	10,891	18,043	23,443	28,899	27,297	23,534	19,389	15,494	12,605	11,180	9,831	8,360	6,987	5,673	5,477	5,079	3,772	2,424	1,062	197	186	177	148	183	204	262	280	290	273	620	756	732	0	0	0
Total interest and dividend income
324,487	327,569	329,954	323,982	323,932	323,669	321,892	325,153	322,622	318,508	313,186	308,207	304,104	302,076	301,113	299,929	298,576	296,821	297,362	297,185	294,932	292,912	290,246	288,235	289,989	293,112	298,554	305,636	312,606	320,900	328,051	335,340	342,778	344,445	346,865	351,756	0	0	0
INTEREST EXPENSE:
Deposits
70,146	68,438	66,201	63,327	60,005	56,389	52,625	49,341	46,649	44,533	42,968	41,753	40,607	39,456	37,859	36,151	34,779	33,773	33,119	32,810	32,557	32,426	32,604	33,137	34,022	35,290	36,816	38,682	40,741	43,232	46,170	50,292	54,740	58,974	63,568	68,115	0	0	0
Borrowings
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FHLB borrowings
-	-	-	50,966	-	-	67,120	73,289	72,672	70,671	68,871	67,034	65,511	65,134	65,091	65,368	66,079	66,883	67,797	67,475	65,229	63,342	63,217	63,902	66,453	69,051	70,816	73,317	75,799	78,333	82,044	85,301	87,981	89,506	90,298	92,055	0	0	0
Other borrowings
-	-	-	3,033	-	-	3,374	4,169	5,016	5,854	5,965	5,964	5,964	5,980	5,981	6,020	6,245	6,451	6,678	7,099	8,160	9,210	10,282	11,220	11,332	11,996	12,762	13,430	14,075	14,198	14,956	16,854	19,044	21,862	24,265	25,830	0	0	0
Total interest expense
125,630	124,783	123,564	117,326	119,524	121,969	123,119	126,799	124,337	121,058	117,804	114,751	112,082	110,570	108,931	107,539	107,103	107,107	107,594	107,384	105,946	104,978	106,103	108,259	111,807	116,337	120,394	125,429	130,615	135,763	143,170	152,447	161,765	170,342	178,131	186,000	0	0	0
NET INTEREST INCOME
198,857	202,786	206,390	206,656	204,408	201,700	198,773	198,354	198,285	197,450	195,382	193,456	192,022	191,506	192,182	192,390	191,473	189,714	189,768	189,801	188,986	187,934	184,143	179,976	178,182	176,775	178,160	180,207	181,991	185,137	184,881	182,893	181,013	174,103	168,734	165,756	0	0	0
Provision for Loan and Lease Losses
23,050	975	750	450	0	0	0	0	0	0	0	-750	-750	-750	-750	0	323	598	771	1,198	1,182	1,067	1,409	482	-625	-785	-1,067	-567	233	1,733	2,040	3,690	4,930	3,950	4,060	4,226	0	0	0
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES
175,807	201,811	205,640	206,206	204,408	201,700	198,773	198,354	198,285	197,450	195,382	194,206	192,772	192,256	192,932	192,390	191,150	189,116	188,997	188,603	187,804	186,867	182,734	179,494	178,807	177,560	179,227	180,774	181,758	183,404	182,841	179,203	176,083	170,153	164,674	161,530	0	0	0
NON-INTEREST INCOME:
Revenue from contracts with customers
16,000	16,300	16,600	0	0	0	-	-	-	-	-	-	14,754	14,730	-	14,942	15,015	14,928	14,897	14,933	14,927	14,910	14,937	15,029	15,093	15,160	15,342	15,326	15,410	15,743	15,915	16,002	16,023	15,730	15,509	16,146	0	0	0
Income from bank-owned life insurance (BOLI)
-	-	-	2,367	-	-	1,875	1,884	1,947	2,244	2,233	2,279	2,354	3,240	3,420	3,061	2,665	0	-	0	0	-	1,993	0	0	0	-	1,465	1,422	1,448	1,478	1,609	1,787	1,904	1,824	1,699	0	0	0
Insurance commissions
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	3,177	3,137	2,912	2,925	2,896	2,979	2,774	2,772	3,030	2,708	2,822	3,071	2,827	0	0	0
Loan fees
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	1,636	1,696	1,710	1,727	1,791	1,863	2,005	2,113	2,218	2,308	2,369	2,449	2,535	0	0	0
Other non-interest income
7,210	7,091	6,786	5,947	4,993	5,111	4,524	4,746	4,802	4,733	4,910	4,852	4,853	5,044	5,057	7,813	6,976	5,591	5,093	6,040	6,121	6,232	6,025	2,879	2,953	3,283	3,295	1,884	1,947	1,879	1,955	1,979	2,032	2,005	2,142	0	0	0	-
Other income, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Total non-interest income
21,708	22,038	21,958	21,919	21,669	22,101	22,035	22,110	22,146	22,286	22,196	21,992	21,961	23,014	23,312	23,082	22,798	21,449	21,140	21,788	22,262	22,712	22,955	22,602	22,804	23,021	23,289	23,362	23,621	23,849	24,233	24,838	24,858	24,830	24,995	26,315	0	0	0
NON-INTEREST EXPENSE:
Salaries and employee benefits
54,100	53,654	53,145	52,137	50,619	48,997	46,563	44,680	43,954	43,331	43,437	43,162	42,781	42,525	42,378	42,986	43,195	43,319	43,309	43,305	43,196	43,508	43,757	45,058	46,266	47,697	49,152	48,018	47,398	45,829	44,235	44,499	45,028	45,509	44,913	43,962	0	0	0
Information technology and related expense
17,141	17,157	17,615	17,218	15,929	15,267	13,999	13,074	12,633	11,779	11,282	11,181	10,975	10,816	10,540	10,517	10,374	10,350	10,360	10,170	9,970	9,705	9,429	9,117	9,037	8,949	8,855	8,724	8,349	7,951	7,583	0	0	0	-	-	-	-	-
Occupancy, net
13,144	12,987	13,032	12,832	12,395	11,942	11,455	11,107	10,979	10,904	10,814	10,780	10,727	10,579	10,576	10,401	10,352	10,197	9,944	10,043	9,965	10,138	10,268	10,397	10,345	10,102	9,871	9,542	9,290	8,990	8,751	0	0	0	-	-	-	-	-
Advertising and promotional
5,863	5,894	5,244	5,119	5,162	5,109	5,034	4,910	4,742	4,668	4,673	4,694	4,425	4,145	4,609	5,030	5,046	4,812	4,547	4,077	3,950	4,078	4,195	4,630	4,874	5,001	5,027	4,479	4,216	4,053	3,931	3,763	3,950	3,802	3,723	3,929	0	0	0
Regulatory and outside services
5,631	5,390	5,813	6,037	6,240	6,335	5,709	5,746	5,501	5,615	5,821	5,639	5,626	5,505	5,645	5,480	5,475	5,537	5,347	5,449	5,521	5,472	5,572	5,418	5,372	5,505	5,874	6,041	5,798	5,621	5,291	5,349	5,444	5,470	5,224	4,498	0	0	0
Occupancy, information technology, and communications
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15,724	0	0	0
Deposit and loan transaction costs
2,666	2,453	2,478	3,346	4,102	4,950	5,621	5,523	5,390	5,305	5,284	5,384	5,529	5,697	5,585	5,471	5,457	5,317	5,417	5,418	5,309	5,316	5,329	5,327	5,287	5,408	5,547	5,745	5,816	5,677	5,381	5,330	5,006	5,035	5,157	4,897	0	0	0
Office supplies and related expense
2,355	2,499	2,439	2,433	2,199	1,905	1,888	1,850	1,887	1,986	1,981	2,094	2,147	2,190	2,640	2,544	2,498	2,502	2,088	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal insurance premium
-15	644	1,172	2,552	2,765	2,953	3,277	3,400	3,466	3,497	3,539	3,569	4,067	4,588	5,076	5,561	5,526	5,595	5,495	5,364	5,100	4,735	4,536	4,389	4,418	4,431	4,462	4,472	4,498	4,466	4,444	4,387	4,412	4,456	5,222	5,979	0	0	0
Low income housing partnerships
-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,872	3,983	3,754	3,799	4,572	3,854	3,909	2,866	2,416	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Contribution to Capitol Federal Foundation ("Foundation")
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	40,000	0	0	0	-
Other non-interest expense
5,800	5,984	6,006	5,697	4,780	4,190	3,356	3,334	3,206	3,012	2,827	2,581	2,768	3,168	3,384	3,632	3,707	3,389	3,290	1,313	1,846	2,505	2,939	4,119	4,625	4,843	6,198	8,673	9,632	11,162	11,459	10,678	10,288	10,690	12,027	10,930	0	0	0
Total non-interest expense
106,685	106,662	106,944	107,371	104,191	101,648	96,902	93,624	91,758	90,097	89,658	90,141	90,823	92,312	94,305	95,605	95,384	94,817	94,369	92,649	91,923	90,892	90,537	92,382	93,604	94,993	96,947	95,694	94,997	93,749	91,075	89,963	90,160	91,046	132,317	129,919	0	0	0
INCOME BEFORE INCOME TAX EXPENSE
90,830	117,187	120,654	120,754	121,886	122,153	123,906	126,840	128,673	129,639	127,920	126,057	123,910	122,958	121,939	119,867	118,564	115,748	115,768	117,742	118,143	118,687	115,152	109,714	108,007	105,588	105,569	108,442	110,382	113,504	115,999	114,078	110,781	103,937	57,352	57,926	0	0	0
INCOME TAX EXPENSE
18,737	24,816	26,411	27,531	29,188	30,679	24,979	28,700	31,535	34,244	43,783	41,824	40,496	39,604	38,445	38,286	37,932	37,409	37,675	38,224	38,244	38,334	37,458	36,163	36,444	35,998	36,229	37,433	38,695	40,217	41,486	40,535	38,652	35,487	18,949	19,531	0	0	0
Net Income (Loss) Attributable to Parent
72,093	92,371	94,243	93,223	92,698	91,474	98,927	98,140	97,138	95,395	84,137	84,233	83,414	83,354	83,494	81,581	80,632	78,339	78,093	79,518	79,899	80,353	77,694	73,551	71,563	69,590	69,340	71,009	71,687	73,287	74,513	73,543	72,129	68,450	38,403	38,395	0	0	0
Earnings Per Share, Basic
0.03	0.16	0.15	0.17	0.18	0.18	0.15	0.17	0.17	0.24	0.16	0.16	0.16	0.15	0.16	0.15	0.16	0.16	0.15	0.14	0.14	0.15	0.16	0.14	0.14	0.12	0.11	0.13	0.12	0.12	0.11	0.12	0.12	0.12	0.11	0.10	0.10	-0.07	0.10
Earnings Per Share, Diluted
0.03	0.16	0.15	0.17	0.18	0.18	0.15	0.17	0.17	0.24	0.16	0.16	0.16	0.15	0.16	0.15	0.16	0.16	0.15	0.14	0.14	0.15	0.16	0.14	0.14	0.12	0.11	0.13	0.12	0.12	0.11	0.12	0.12	0.12	0.11	0.10	0.10	-0.07	0.10
Dividends declared per share
-	-	-	-	-	-	-	-	-	-	-	0.34	0.09	0.38	0.07	0.34	0.09	0.34	0.07	0.34	0.09	0.34	0.06	0.33	0.08	0.51	0.06	0.08	0.08	0.78	0.06	0.08	0.08	0.18	0.07	0.08	0.68	0.80	0.50
Weighted Average Number of Shares Outstanding, Basic
137,968	137,898	-	137,720	137,634	137,550	-	134,484	134,428	134,372	-	134,253	134,066	133,696	-	133,101	132,960	132,822	-	135,745	136,208	136,087	-	138,331	139,489	142,881	-	143,262	145,381	147,882	-	156,962	161,721	161,922	161,818	161,641	161,499	165,540	165,869
Weighted Average Number of Shares Outstanding, Diluted
138,000	137,976	-	137,787	137,690	137,592	-	134,529	134,475	134,467	-	134,359	134,258	133,949	-	133,250	133,031	132,911	-	135,763	136,245	136,115	-	138,334	139,489	142,883	-	143,263	145,381	147,882	-	156,966	161,727	161,930	161,834	161,647	161,507	165,540	165,922
Deposit service fees [Member]
Revenue from contracts with customers
12,142	12,450	12,740	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Insurance commissions [Member]
Revenue from contracts with customers
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-