If bancorp, inc. (IROQ)
CashFlow / Yearly
Jun'19Jun'18Jun'17Jun'16Jun'15Jun'14Jun'13Jun'12Jun'11
Operating Activities
Net income

3,558

1,738

-

-

-

-

-

-

-

Net income

-

-

3,919

3,566

3,274

3,477

3,710

1,400

2,830

Items not requiring (providing) cash
Depreciation

628

468

324

428

430

418

447

430

392

Provision for loan losses

407

777

1,721

1,366

460

502

595

1,125

1,351

Amortization of premiums and discounts on securities

-83

-157

-236

-322

-569

-964

-1,293

-1,172

690

Deferred income taxes

76

1,324

-332

-230

-135

167

78

-1,402

233

Net realized gains on loan sales

343

232

295

216

123

287

673

317

693

Net realized gains on sales of available-for-sale securities

11

13

904

620

-24

-123

724

523

-

Net realized gains on sales of available-for-sale securities

-

-

-

-

-

-

-

-

259

Loss (Gain) on foreclosed assets held for sale

3

-24

14

-

-106

-202

-55

36

107

Bank-owned life insurance income, net

269

377

268

266

264

268

262

259

257

Originations of loans held for sale

16,836

17,811

20,523

15,463

9,793

7,380

22,687

16,423

23,332

Proceeds from sales of loans held for sale

17,082

17,867

20,362

15,837

10,136

7,842

23,187

16,819

24,233

ESOP compensation expense

420

388

372

341

310

312

272

224

-

Stock equity plan expense

225

225

226

330

203

119

-

-

-

Contribution of stock to the Foundation

-

-

-

-

-

-

-

-3,148

-

Changes in
Accrued interest receivable

321

282

-264

130

-115

100

-173

177

-34

Other assets

-306

300

-579

516

-110

-317

-382

-988

70

Accrued interest payable

613

133

-4

-6

-31

52

1

-115

-27

Post-retirement benefit obligation

57

-34

23

40

61

-16

51

80

-

Other liabilities

125

786

458

545

-120

55

168

7

574

Net cash provided by operating activities

5,797

4,838

6,144

-

-

-

-

6,141

5,126

Investing Activities
Net cash provided by operating activities

-

-

-

5,328

5,332

6,499

6,066

-

-

Net change in interest bearing time deposits

-1,250

-

-1,498

-2

-

-

-

-

-

Net increase in interest-bearing deposits

-

-

-

-

-

-

-

-

-250

Purchases of available-for-sale securities

42,148

39,230

73,421

25,000

49,003

73,331

159,881

199,033

171,111

Proceeds from the sales of available-for-sale securities

6,852

5,966

47,484

51,541

50,773

81,718

147,917

67,306

24,010

Proceeds from maturities and pay-downs of available-for-sale securities

20,555

14,524

32,007

25,255

11,663

9,279

-

-

-

Proceeds from maturities and pay downs of available-for-sale securities

-

-

-

-

-

-

25,022

103,128

81,178

Net change in loans

17,950

37,094

-1,262

89,349

27,248

15,500

57,518

21,332

8,094

Purchase of FHLB stock owned

-

-

-

-

-

-

1,250

1,054

-

Purchase of premises and equipment

1,108

4,854

1,682

214

106

1,249

383

689

312

Proceeds from sale of foreclosed assets

5,803

365

552

48

578

450

851

795

370

Redemption of Federal Home Loan Bank stock

3,551

1,666

3,085

-

-

-

-

-

-

Purchase of Federal Home Loan Bank stock

1,440

2,408

203

-

-

-

-

-

-

Proceeds from settlement of bank-owned life insurance policies

-

397

-

-

-

-

-

-

-

Net cash provided by (used in) investing activities

-

-

-

-37,721

-13,343

1,367

-45,242

-

-

Net cash used in investing activities

-27,135

-60,668

7,586

-

-

-

-

-50,879

-74,209

Financing Activities
Net increase (decrease) in demand deposits, money market, NOW and savings accounts

59,897

25,488

15,629

7,792

18,589

4,744

306

-94,390

-

Net decrease in demand deposits, money market, NOW and savings accounts

-

-

-

-

-

-

-

-

121,355

Net increase (decrease) in certificates of deposit, including brokered certificates

66,705

15,787

-10,191

10,372

-7,638

28,647

26,411

-5,190

2,153

Net increase in advances from borrowers for taxes and insurance

438

-445

-178

-23

-42

31

11

114

-

Net increase in advances from borrowers for taxes and insurance

-

-

-

-

-

-

-

-

11

Proceeds from Federal Home Loan Bank advances

111,500

140,000

90,500

266,500

269,000

395,750

588,000

557,500

13,000

Repayments of Federal Home Loan Bank advances

155,000

126,000

104,000

257,500

267,750

426,500

575,500

505,000

13,000

Net increase (decrease) in repurchase agreements

-266

98

-2,209

368

1,700

650

1,674

-

-

Dividends paid

868

730

589

484

403

415

-

-

-

Stock purchase per stock repurchase plan

6,222

1,380

1,375

1,426

4,952

4,622

3,339

-

-

Stock equity plan activity

-

-

-

19

-

-

-

-

-

Net cash provided by (used in) financing activities

-

-

-

25,618

8,504

-1,715

37,563

-

-

Proceeds from issuance of common stock, net of costs

-

-

-

-

-

-

-

43,240

-766

Stock issuance from employee stock ownership plan purchase

-

-

-

-

-

-

-

3,849

-

Net cash provided by (used in) financing activities

76,184

52,818

-12,413

-

-

-

-

-7,575

122,753

Net Increase (Decrease) in Cash and Cash Equivalents

54,846

-3,012

1,317

-6,775

493

6,151

-1,613

-52,313

53,670

Supplemental Cash Flows Information
Interest paid

8,241

5,156

3,621

3,319

3,257

3,096

3,098

3,899

5,015

Income taxes paid, net of refunds

365

2,094

2,554

2,182

1,761

1,897

2,165

2,169

1,677

Foreclosed assets acquired in settlement of loans

6,359

179

630

337

298

670

-

-

-

Foreclosed assets acquired in settlement of loans

-

-

-

-

-

-

58

1,317

476