Home federal bancorp, inc. of louisiana (HFBL)
CashFlow / Yearly
Jun'19Jun'18Jun'17Jun'16Jun'15Jun'14Jun'13Jun'12Jun'11
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income

4,743

3,568

3,652

3,377

3,355

2,744

3,130

2,843

1,938

Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities
Bad Debt Recovery

13

25

14

59

-

-

-

-

-

Realized Gain on Sale of Securities

0

94

0

-

-

-

-

-

-

Gain on Sale of Loans

-

-

-

-

-

1,636

2,673

2,353

1,795

Net Amortization and Accretion on Securities

-109

-165

-36

-18

-67

-50

-37

87

16

Gain on Sale of Loans

1,555

1,767

2,775

2,492

2,278

-

-

-

-

Amortization of Deferred Loan Fees

188

162

77

72

140

98

217

286

101

Real Estate Owned Valuation Adjustment

-

-

0

-

-

-

-

-

-

Depreciation of Premises and Equipment

536

503

505

441

384

303

222

205

186

Loss on Sale of Real Estate and Fixed Assets

-345

-1

-

-

-

-

-

-

-

Gain on Sale of Real Estate and Fixed Assets

-

-

164

0

-

129

0

-

-

Gain on Sale of Securities

-

-

-

-

10

35

216

362

402

ESOP Expense

368

329

298

258

225

205

200

159

101

Stock Option Expense

135

136

247

212

178

162

166

74

17

Noncash expense that accounts for the value of the stock awarded to participants in the Company's equity compensation plan.

-

-

147

232

235

210

210

90

19

Deferred Income Tax

-30

499

-393

-151

-64

-14

-127

372

-140

Amount of valuation adjustment of real estate owned (REO) for the period.

75

60

-

-

-

-

-

-

-

Provision for Loan Losses

600

1,050

900

271

300

168

558

-

-

Noncash expense that accounts for the value of the stock awarded to participants in the Company's Recognition and Retention Plan and Share Awards.

167

162

-

-

-

-

-

-

-

Provision for Loan Losses

-

-

-

-

-

-

-

-856

-353

Increase in Cash Surrender Value on Bank Owned Life Insurance

140

140

145

157

163

173

186

205

26

The noncash expense that represents the cost of share awards distributed to employees as compensation.

-

-

152

-

-

-

-

-

-

Share Awards Expense

-

-

-

92

0

-

-

-

-

Bad Debt Recovery

-

-

-

-

0

-

-

-

-

Changes in Assets and Liabilities:
Loans Held-for-Sale - Originations and Purchases

60,120

74,961

112,883

99,012

91,633

89,490

102,735

124,473

109,753

Loans Held-for-Sale - Sale and Principal Repayments

59,829

83,757

113,946

103,787

89,084

85,214

113,101

122,322

118,297

Accrued Interest Receivable

26

52

71

97

-38

191

-53

25

241

Other Operating Assets

-130

-44

101

-57

424

51

-188

-5

142

Other Operating Liabilities

-133

-19

87

229

130

363

-244

57

-367

Net Cash Provided by Operating Activities

4,858

13,104

3,375

7,052

-

-

11,466

-1,552

7,928

CASH FLOWS FROM INVESTING ACTIVITIES
Net Cash Provided by Operating Activities

-

-

-

-

-716

-2,398

-

-

-

Loan Originations and Purchases, Net of Principal Collections

7,977

6,676

22,866

22,706

29,052

-

-

-

-

Cash inflow associated with collection of deferred loan fees.

99

228

110

48

-

-

-

-

-

The cash outflow associated with the acquisition of buildings and equipment.

2,611

516

-

-

-

-

-

-

-

Proceeds from Sale of Fixed Assets

540

0

-

-

-

-

-

-

-

Acquisition of Premises and Equipment

-

-

671

-

-

-

-

-

-

Loan Originations and Purchases, Net of Principal Collections

-

-

-

-

-

-33,684

-38,259

-43,851

-32,677

Deferred Loan Fees Collected

-

-

-

-

-29

-131

-102

-388

-111

Acquisition of Premises and Equipment

-

-

-

2,620

2,117

2,634

1,910

1,140

1,075

Improvements to Real Estate Owned Prior to Disposition

52

63

90

0

-

-

-

-

-

Proceeds from Sale of Real Estate

-

-

-

-

-

566

0

-

-

Activity in Available-for-Sale Securities:
The cash inflow from the maturity (principal due), prepayment and call (request of early payment) of a loan financed by home mortgage payments classified as available-for-sale securities.

8,476

8,165

12,564

11,392

-

-

-

-

-

Purchases of Securities

18,496

7,717

0

16,722

9,843

23,158

31,515

48,096

36,932

Sale of Securities

0

3,555

0

-

-

-

-

-

-

Activity in Held-to-Maturity Securities:
Investment in Bank Owned Life Insurance

-

-

-

-

-

-

-

-

-5,612

Proceeds from Sales of Securities

-

-

-

-

1,963

13,019

34,669

43,403

10,752

Principal Payments on Mortgage-Backed Securities

2,530

3,437

1,654

0

11,263

9,844

15,478

15,266

14,229

Redemption Proceeds

-

-

-

509

-

-

-

-

-

Redemption Proceeds

-

-

-

-

698

488

601

538

558

Principal Payments on Mortgage-Backed Securities

-

-

-

-

-

-

-

-563

-113

Purchase of Securities

0

1,174

27,684

848

943

787

685

349

4,257

Net Cash Used In Investing Activities

-

-

-

-

-28,002

-36,215

-

-

-

Net Cash Provided by (Used in) Investing Activities

-17,491

-761

-36,983

-30,947

-

-

-21,519

-33,278

-54,790

CASH FLOWS FROM FINANCING ACTIVITIES
Net Increase in Deposits

27,904

31,250

41,223

1,584

13,943

60,373

-9,514

67,820

35,894

Proceeds from Advances from Federal Home Loan Bank

0

183,476

776,501

703,700

809,800

605,850

335,750

39,000

5,000

Repayments of Advances from Federal Home Loan Bank

10,282

220,746

-

-

-

-

-

-

-

Proceeds from Other Borrowings

900

800

300

2,200

550

300

1,500

0

-

Repayments of Advances from Federal Home Loan Bank

-

-

775,259

694,446

784,286

614,615

337,557

42,422

9,616

Repayments of Other Borrowings

750

500

700

1,800

550

800

1,000

0

-

Net Decrease in Advances from Borrowers for Taxes and Insurance

141

27

-19

139

150

150

-

-

-

Net Increase in Advances from Borrowers for Taxes and Insurance

-

-

-

-

-

-

21

21

30

Dividends Paid

1,051

924

705

660

613

551

632

727

511

Company Stock Purchased

2,447

1,955

-

-

-

-

-

-

-

Company Stock Purchased

-

-

645

3,353

2,923

2,325

10,276

2,581

46

Company Stock Purchased

-

-

-

-

-

-

-

-

18,040

Proceeds from Stock Options Exercised

325

53

61

85

180

179

583

76

0

Represents Recognition and Retention Plan and Trust Agreement (the Recognition Plan) approved by the shareholders as an incentive to retain personnel of experience and ability in key position.

134

138

0

36

0

-

-

-

-

Net Cash Provided by (Used In) Financing Activities

-

-

-

-

36,251

48,561

-

-

-

Acquisition of Stock for Benefit Plans

-

-

-

-

-

-

-

-1,093

-1,167

Net Cash Provided by Financing Activities

14,874

-8,381

40,757

7,485

-

-

-21,125

60,094

47,624

NET DECREASE (DECREASE) IN CASH AND CASH EQUIVALENTS

2,241

3,962

-

-

-

-

-

-

-

NET DECREASE IN CASH AND CASH EQUIVALENTS

-

-

7,149

-16,410

7,533

9,948

-31,178

25,264

762

SUPPLEMENTARY CASH FLOW INFORMATION
Interest Paid on Deposits and Borrowed Funds

3,584

3,485

2,778

-

-

-

-

-

-

Interest Paid on Deposits and Borrowed Funds

-

-

-

-

-

-

2,615

3,087

3,212

Interest Paid on Deposits and Borrowed Funds

-

-

-

2,612

2,459

2,341

1,811

1,488

1,091

Income Taxes Paid

1,286

1,576

2,114

1,762

1,584

1,286

-

-

-

Market Value Adjustment for Gain (Loss) on Debt Securities Available-for-Sale

1,349

-790

-660

-24

-109

194

-2,012

-81

-1,016

Loan Originations to Finance Sale of Real Estate

896

0

3,782

0

-

-

-

-

-

Acquisition of Treasury Stock with Stock Issuance

-

-

-

-

-

-

-

-

0