Home federal bancorp, inc. of louisiana (HFBL)
Income statement / TTM
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

18,128

18,280

18,217

18,058

17,956

17,605

17,316

17,106

16,906

16,639

16,153

15,763

15,407

15,139

14,886

14,628

14,383

14,196

14,091

13,762

13,382

12,893

12,418

12,161

11,928

11,840

11,722

11,513

11,352

11,096

10,760

10,181

9,501

8,724

8,111

7,647

0

0

0

Investment Securities

60

64

64

62

57

53

50

47

49

44

40

34

20

17

10

11

13

11

12

7

7

6

5

5

5

9

15

21

26

29

38

95

175

209

205

153

0

0

0

Mortgage-Backed Securities

1,604

1,599

1,490

1,398

1,315

1,217

1,167

1,129

1,139

1,143

1,127

1,059

930

823

760

763

795

846

940

989

986

975

962

994

1,074

1,222

1,399

1,608

1,871

2,123

2,376

2,433

2,387

2,362

2,293

2,474

0

0

0

Other Interest-Earning Assets

374

351

357

328

291

250

183

141

97

89

70

36

31

39

52

56

56

38

19

14

10

11

12

13

10

10

9

12

12

13

14

13

16

21

25

23

0

0

0

Total Interest Income

20,166

20,294

20,128

19,846

19,619

19,125

18,716

18,423

18,191

17,915

17,390

16,892

16,388

16,018

15,708

15,458

15,247

15,091

15,062

14,772

14,385

13,885

13,397

13,173

13,017

13,081

13,145

13,154

13,261

13,261

13,188

12,722

12,079

11,316

10,634

10,297

0

0

0

INTEREST EXPENSE
Deposits

5,265

5,116

4,786

4,380

3,941

3,560

3,268

3,046

2,875

2,698

2,523

2,356

2,246

2,228

2,264

2,329

2,364

2,351

2,304

2,234

2,152

2,114

2,118

2,158

2,204

2,225

2,226

2,244

2,296

2,362

2,433

2,461

2,442

2,388

2,326

2,279

0

0

0

Other Borrowings

39

22

12

9

7

7

5

4

3

7

11

14

14

19

21

18

21

10

0

-

0

0

-

14

-56

20

16

9

79

3

0

-

0

0

-

-

-

-

-

Federal Home Loan Bank Borrowings

59

62

90

143

219

294

369

445

486

510

482

433

377

322

296

263

253

258

261

244

216

187

161

164

263

227

274

326

302

438

512

589

0

0

0

-

-

-

-

Federal Home Loan Bank Borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Total Interest Expense

5,363

5,200

4,888

4,532

4,167

3,861

3,642

3,495

3,364

3,215

3,016

2,803

2,637

2,569

2,581

2,610

2,635

2,619

2,568

2,481

2,371

2,301

2,286

2,336

2,411

2,472

2,516

2,579

2,677

2,803

2,945

3,050

3,113

3,138

3,153

3,186

0

0

0

Net Interest Income

14,803

15,094

15,240

15,314

15,452

15,264

15,074

14,928

14,827

14,700

14,374

14,089

13,751

13,449

13,127

12,848

12,612

12,472

12,494

12,291

12,014

11,584

11,111

10,837

10,606

10,609

10,629

10,575

10,584

10,458

10,243

9,672

8,966

8,178

7,481

7,111

0

0

0

Provision for Loan Losses

1,591

1,375

525

600

650

900

1,000

1,050

995

800

900

900

845

780

506

271

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

PROVISION FOR LOAN LOSSES

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

260

200

142

168

235

419

513

558

807

809

881

856

584

404

367

353

0

0

0

Net Interest Income after Provision for Loan Losses

13,212

13,719

14,715

14,714

14,802

14,364

14,074

13,878

13,832

13,900

13,474

13,189

12,906

12,669

12,621

12,577

12,341

12,201

12,169

11,991

11,754

11,384

10,969

10,669

10,371

10,190

10,116

10,017

9,777

9,649

9,362

8,816

8,382

7,774

7,114

6,758

0

0

0

NON-INTEREST INCOME
Gain on Sale of Loans

2,235

1,936

1,730

1,555

1,518

1,498

1,554

1,767

2,169

2,425

2,582

2,775

2,675

2,724

2,565

2,492

2,353

2,544

2,531

2,278

2,064

1,643

1,632

1,636

1,922

2,217

2,467

2,673

2,579

2,598

2,442

2,353

2,178

1,856

1,809

1,795

0

0

0

Gain on Sale of Real Estate

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

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

-77

-118

-348

-345

-344

-227

2

-1

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on Sale of Securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

-

-

-

-

-

-

-

-

-

164

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized Gain on Sale of Securities

-

-

-

-

-

-

-

94

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on Sale of Real Estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on Sale of Securities

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

0

0

-

-

0

0

-

216

323

323

254

362

0

0

0

-

-

-

-

Gain on Sale of Investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Increase in Cash Surrender Value on Bank Owned Life Insurance

139

140

140

140

139

139

139

140

141

142

144

145

148

151

154

157

160

161

162

163

164

167

170

173

176

177

181

186

188

194

198

205

184

134

82

26

0

0

0

Amount of income earned from service charges on deposit accounts.

1,085

1,073

1,020

975

934

911

894

883

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service Charges on Deposit Accounts

-

-

-

-

-

-

-

-

-

-

-

-

689

633

588

559

537

515

489

456

424

393

359

333

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Other Income

40

46

57

60

112

111

101

105

55

56

57

50

49

43

43

46

49

50

52

54

47

47

40

34

102

164

253

349

382

413

417

404

350

327

473

407

0

0

0

Total Non-Interest Income

3,721

3,157

2,679

2,385

2,359

2,432

2,690

2,988

3,390

3,619

3,743

3,893

3,671

3,661

3,460

3,254

3,099

3,270

3,244

2,961

2,709

2,390

2,365

2,340

2,604

2,747

3,097

3,424

3,472

3,528

3,311

3,324

3,057

2,662

2,740

2,630

0

0

0

NON-INTEREST EXPENSE
Compensation and Benefits

7,305

6,976

6,633

6,443

6,435

6,368

6,402

6,500

6,777

6,990

7,146

7,154

6,993

6,964

6,828

6,814

6,705

6,625

6,469

6,261

6,029

5,834

5,735

5,619

5,655

5,584

5,585

5,519

5,396

5,425

5,283

5,086

4,799

4,393

4,172

4,068

0

0

0

Occupancy and Equipment

1,468

1,438

1,411

1,359

1,301

1,323

1,355

1,345

1,346

1,305

1,255

1,252

1,223

1,194

1,159

1,091

1,062

1,067

1,060

1,050

1,006

928

895

861

890

836

787

798

762

804

790

780

716

675

622

550

0

0

0

Data Processing

563

527

543

533

570

627

645

662

666

629

623

611

587

599

587

562

568

561

538

527

499

518

480

476

459

433

446

418

411

365

356

345

334

311

273

233

0

0

0

Audit and Examination Fees

217

228

244

242

249

254

258

254

250

239

243

245

246

246

248

246

237

247

213

216

204

195

196

200

212

207

215

206

206

257

264

266

253

225

212

223

0

0

0

Franchise and Bank Shares Tax

446

432

407

392

389

388

394

392

388

383

386

383

376

368

353

349

338

327

283

265

277

290

328

348

346

345

317

308

312

315

307

318

319

306

312

248

0

0

0

Non-direct response advertising costs

388

432

451

362

299

257

203

185

253

327

391

423

342

276

247

236

247

240

235

249

260

274

283

272

255

254

245

241

257

266

282

282

272

252

297

256

0

0

0

Legal Fees

487

510

515

544

594

565

550

557

563

556

560

495

390

423

427

412

396

344

327

330

332

333

343

367

396

465

480

475

471

433

399

387

385

306

210

165

0

0

0

Loan and Collection

308

333

347

290

272

242

251

269

293

332

308

327

330

312

297

281

263

333

349

332

300

184

166

132

130

127

116

124

114

149

154

145

143

114

130

133

0

0

0

Deposit Insurance Premium

41

36

58

88

89

109

127

125

145

145

125

142

134

152

192

207

209

209

193

164

165

159

150

152

140

133

130

128

125

123

119

113

112

113

0

-

0

0

-

Valuation Adjustment Real Estate Owned

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposit Insurance Premium

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Other Expense

823

822

840

820

733

750

731

757

760

731

691

640

630

598

614

612

571

570

565

542

539

523

512

506

509

511

483

466

423

421

424

448

517

526

533

519

0

0

0

Total Non-Interest Expense

11,971

11,659

11,374

11,073

11,006

10,958

10,991

11,046

11,441

11,637

11,728

11,672

11,251

11,132

10,952

10,810

10,596

10,523

10,232

9,936

9,611

9,238

9,088

8,933

8,992

8,895

8,804

8,683

8,477

8,558

8,378

8,170

7,850

7,219

6,875

6,512

0

0

0

Income Before Income Taxes

4,962

5,217

6,020

6,026

6,155

5,838

5,773

5,820

5,781

5,882

5,489

5,410

5,326

5,198

5,129

5,021

4,844

4,948

5,181

5,016

4,852

4,536

4,246

4,076

3,983

4,042

4,409

4,758

4,772

4,619

4,295

3,970

3,589

3,217

2,979

2,876

0

0

0

PROVISION FOR INCOME TAX EXPENSE

989

1,032

1,248

1,283

1,395

1,246

1,995

2,252

2,356

2,626

1,831

1,758

1,728

1,678

1,691

1,644

1,594

1,629

1,708

1,661

1,603

1,492

1,392

1,332

1,353

1,374

1,505

1,628

1,502

1,438

1,315

1,127

1,043

945

885

938

0

0

0

Net Income

3,973

4,185

4,772

4,743

4,760

4,592

3,778

3,568

3,425

3,256

3,658

3,652

3,598

3,520

3,438

3,377

3,250

3,319

3,473

3,355

3,249

3,044

2,854

2,744

2,630

2,668

2,904

3,130

3,270

3,181

2,980

2,843

2,546

2,272

2,094

1,938

0

0

0

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