Home federal bancorp, inc. of louisiana (HFBL)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10
INTEREST INCOME
Loans, Including Fees

4,378

4,632

4,653

4,465

4,530

4,569

4,494

4,363

4,179

4,280

4,284

4,163

3,912

3,794

3,894

3,807

3,644

3,541

3,636

3,562

3,457

3,436

3,307

3,182

2,968

2,961

3,050

2,949

2,880

2,843

2,841

2,788

2,624

2,507

2,262

2,108

1,847

1,894

1,798

Investment Securities

12

15

16

17

16

15

14

12

12

12

11

14

7

8

5

0

4

1

6

2

2

2

1

2

1

1

1

2

5

7

7

7

8

16

64

87

42

12

12

Mortgage-Backed Securities

401

427

390

386

396

318

298

303

298

268

260

313

302

252

192

184

195

189

195

216

246

283

244

213

235

270

276

293

383

447

485

556

635

700

542

510

610

631

723

Other Interest-Earning Assets

83

88

109

94

60

94

80

57

19

27

38

13

11

8

4

8

19

21

8

8

1

2

3

4

2

3

4

1

2

2

7

1

3

3

6

4

8

7

4

Total Interest Income

4,874

5,162

5,168

4,962

5,002

4,996

4,886

4,735

4,508

4,587

4,593

4,503

4,232

4,062

4,095

3,999

3,862

3,752

3,845

3,788

3,706

3,723

3,555

3,401

3,206

3,235

3,331

3,245

3,270

3,299

3,340

3,352

3,270

3,226

2,874

2,709

2,507

2,544

2,537

INTEREST EXPENSE
Deposits

1,298

1,360

1,335

1,272

1,149

1,030

929

833

768

738

707

662

591

563

540

552

573

599

605

587

560

552

535

505

522

556

575

551

543

557

593

603

609

628

621

584

555

566

574

Other Borrowings

19

13

4

3

2

3

1

1

2

1

0

0

6

5

3

0

11

7

0

-

3

0

-

0

0

7

7

-70

76

3

0

-

0

0

-

-

-

-

-

Federal Home Loan Bank Borrowings

14

14

15

16

17

42

68

92

92

117

144

133

116

89

95

77

61

63

62

67

66

66

45

39

37

40

48

138

1

87

100

114

137

161

177

-

-

-

-

Federal Home Loan Bank Borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-216

-238

-257

Total Interest Expense

1,331

1,387

1,354

1,291

1,168

1,075

998

926

862

856

851

795

713

657

638

629

645

669

667

654

629

618

580

544

559

603

630

619

620

647

693

717

746

789

798

780

771

804

831

Net Interest Income

3,543

3,775

3,814

3,671

3,834

3,921

3,888

3,809

3,646

3,731

3,742

3,708

3,519

3,405

3,457

3,370

3,217

3,083

3,178

3,134

3,077

3,105

2,975

2,857

2,647

2,632

2,701

2,626

2,650

2,652

2,647

2,635

2,524

2,437

2,076

1,929

1,736

1,740

1,706

Provision for Loan Losses

316

950

175

150

100

100

250

200

350

200

300

145

155

300

300

90

90

26

65

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

PROVISION FOR LOAN LOSSES

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

90

80

40

50

30

22

66

117

214

116

111

366

216

188

86

94

36

151

72

Net Interest Income after Provision for Loan Losses

3,227

2,825

3,639

3,521

3,734

3,821

3,638

3,609

3,296

3,531

3,442

3,563

3,364

3,105

3,157

3,280

3,127

3,057

3,113

3,044

2,987

3,025

2,935

2,807

2,617

2,610

2,635

2,509

2,436

2,536

2,536

2,269

2,308

2,249

1,990

1,835

1,700

1,589

1,634

NON-INTEREST INCOME
Gain on Sale of Loans

604

580

567

484

305

374

392

447

285

430

605

849

541

587

798

749

590

428

725

610

781

415

472

396

360

404

476

682

655

654

682

588

674

498

593

413

352

451

579

Gain on Sale of Real Estate

-

-

80

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

129

-

-

-

0

-

-

-

-

-

-

-

-

-

-

(Loss) Gain on Sale of Real Estate and Fixed Assets

-76

0

0

-1

-117

-230

3

0

0

-1

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on Sale of Securities

219

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Loss) Gain on Sale of Real Estate and Fixed Assets

-

-

-

-

-

-

-

-

-

-

-

54

0

0

110

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized Gain on Sale of Securities

-

-

-

-

-

-

-

0

0

0

94

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on Sale of Real Estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on Sale of Securities

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

0

10

-

-

1

34

-

1

0

120

95

108

0

51

203

-

-

-

-

Gain on Sale of Investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

82

229

Increase in Cash Surrender Value on Bank Owned Life Insurance

34

35

35

35

35

35

35

34

35

35

36

35

36

37

37

38

39

40

40

41

40

41

41

42

43

44

44

45

44

48

49

47

50

52

56

26

0

0

0

Amount of income earned from service charges on deposit accounts.

258

291

272

264

246

238

227

223

223

221

216

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service Charges on Deposit Accounts

-

-

-

-

-

-

-

-

-

-

-

-

194

184

163

148

138

139

134

126

116

113

101

94

85

79

75

-

-

-

-

-

-

-

-

-

-

-

-

Other Income

8

11

10

11

14

22

13

63

13

12

17

13

14

13

10

12

8

13

13

15

9

15

15

8

9

8

9

76

71

97

105

109

102

101

92

55

79

247

26

Total Non-Interest Income

1,047

917

964

793

483

439

670

767

556

697

968

1,169

785

821

1,118

947

775

620

912

792

946

594

629

540

627

569

604

804

770

919

931

852

826

702

944

585

431

780

834

NON-INTEREST EXPENSE
Compensation and Benefits

1,961

1,890

1,806

1,648

1,632

1,547

1,616

1,640

1,565

1,581

1,714

1,917

1,778

1,737

1,722

1,756

1,749

1,601

1,708

1,647

1,669

1,445

1,500

1,415

1,474

1,346

1,384

1,451

1,403

1,347

1,318

1,328

1,432

1,205

1,121

1,041

1,026

984

1,017

Occupancy and Equipment

353

356

372

387

323

329

320

329

345

361

310

330

304

311

307

301

275

276

239

272

280

269

229

228

202

236

195

257

148

187

206

221

190

173

196

157

149

120

124

Data Processing

144

131

160

128

108

147

150

165

165

165

167

169

128

159

155

145

140

147

130

151

133

124

119

123

152

86

115

106

126

99

87

99

80

90

76

88

57

52

36

Audit and Examination Fees

51

57

56

53

62

73

54

60

67

77

50

56

56

81

52

57

56

83

50

48

66

49

53

36

57

50

57

48

52

58

48

48

103

65

50

35

75

52

61

Franchise and Bank Shares Tax

111

122

115

98

97

97

100

95

96

103

98

91

91

106

95

84

83

91

91

73

72

47

73

85

85

85

93

83

84

57

84

87

87

49

95

88

74

55

31

Non-direct response advertising costs

45

65

147

131

89

84

58

68

47

30

40

136

121

94

72

55

55

65

61

66

48

60

75

77

62

69

64

60

61

60

60

76

70

76

60

66

50

121

19

Legal Fees

113

153

110

111

136

158

139

161

107

143

146

167

100

147

81

62

133

151

66

46

81

134

69

48

82

144

93

77

151

159

88

73

113

125

76

71

34

29

31

Loan and Collection

58

50

119

81

83

64

62

63

53

73

80

87

92

49

99

90

74

34

83

72

144

50

66

40

28

32

32

38

25

21

40

28

60

26

31

26

31

42

34

Deposit Insurance Premium

12

0

0

29

7

22

30

30

27

40

28

50

27

20

45

42

45

60

60

44

45

44

31

45

39

35

33

33

32

32

31

30

30

28

25

-

29

31

-

Valuation Adjustment Real Estate Owned

0

0

0

-

0

0

75

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposit Insurance Premium

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

28

Other Expense

185

183

192

263

184

201

172

176

201

182

198

179

172

142

147

169

140

158

145

128

139

153

122

125

123

142

116

128

125

114

99

85

123

117

123

154

132

124

109

Total Non-Interest Expense

3,033

3,007

3,077

2,854

2,721

2,722

2,776

2,787

2,673

2,755

2,831

3,182

2,869

2,846

2,775

2,761

2,750

2,666

2,633

2,547

2,677

2,375

2,337

2,222

2,304

2,225

2,182

2,281

2,207

2,134

2,061

2,075

2,288

1,954

1,853

1,755

1,657

1,610

1,490

Income Before Income Taxes

1,241

735

1,526

1,460

1,496

1,538

1,532

1,589

1,179

1,473

1,579

1,550

1,280

1,080

1,500

1,466

1,152

1,011

1,392

1,289

1,256

1,244

1,227

1,125

940

954

1,057

1,032

999

1,321

1,406

1,046

846

997

1,081

665

474

759

978

PROVISION FOR INCOME TAX EXPENSE

264

147

279

299

307

363

314

411

158

1,112

571

515

428

317

498

485

378

330

451

435

413

409

404

377

302

309

344

398

323

440

467

272

259

317

279

188

161

257

332

Net Income

977

588

1,247

1,161

1,189

1,175

1,218

1,178

1,021

361

1,008

1,035

852

763

1,002

981

774

681

941

854

843

835

823

748

638

645

713

634

676

881

939

774

587

680

802

477

313

502

646

EARNINGS PER COMMON SHARE:
Basic (in dollars per share)

0.58

0.35

0.73

0.66

0.68

0.66

0.68

0.66

0.57

0.20

0.55

0.57

0.47

0.42

0.55

0.53

0.42

0.36

0.49

0.44

0.43

0.42

0.41

0.37

0.31

0.31

0.34

0.31

0.31

0.36

0.36

0.29

0.21

0.24

0.28

0.17

0.11

0.17

0.22

Diluted (in dollars per share)

0.54

0.32

0.68

0.62

0.63

0.62

0.63

0.61

0.54

0.19

0.53

0.54

0.44

0.40

0.53

0.52

0.40

0.35

0.47

0.42

0.42

0.41

0.40

0.35

0.31

0.30

0.33

0.31

0.30

0.35

0.35

0.29

0.21

0.23

0.28

0.17

0.11

0.17

0.22

DIVIDENDS DECLARED (in dollars per share)

0.16

0.16

0.16

-

0.14

0.14

0.14

-

0.12

0.12

0.12

-

0.09

0.09

0.09

-

0.08

0.08

0.08

-

0.07

0.07

0.07

-

0.06

0.06

0.06

-

0.06

0.06

0.06

-

0.06

0.06

0.06

-

0.06

0.06

0.06