IF Bancorp, Inc. IROQ Cash Flow

If bancorp, inc. (IROQ)

CashFlow / Quarterly

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	Sep'10
Operating Activities
Net income
810	964	1,100	1,033	804	787	934	497	994	-728	975	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income
-	-	-	-	-	-	-	-	-	-	-	602	844	1,170	1,303	1,068	944	755	799	790	890	823	771	1,004	834	897	742	944	924	709	1,133	903	848	1,024	-1,375	565	665	712	888
Items not requiring (providing) cash
Depreciation
173	174	153	132	170	177	149	98	126	125	119	15	99	104	106	105	109	106	108	105	107	108	110	114	100	99	105	111	106	115	115	117	110	102	101	105	96	98	93
Provision for loan losses
282	-30	-54	-29	61	138	237	309	110	-50	408	1,496	192	-46	79	224	254	408	480	201	17	138	104	136	140	47	179	43	45	405	102	398	393	195	139	501	225	400	225
Amortization of premiums and discounts on securities
44	-94	-91	-36	-18	-22	-7	-29	-36	-51	-41	-41	-45	-58	-92	-83	-72	-67	-100	-140	-134	-128	-167	-205	-223	-246	-290	-336	-344	-325	-288	-252	-237	-304	-379	1,173	-186	-181	-116
Deferred income taxes
-70	-21	342	132	-60	18	-14	-315	695	1,291	-347	-483	-106	237	20	64	-26	-78	-190	-76	37	-5	-91	116	7	62	-18	157	21	56	-156	-3	-121	-104	-1,174	-491	525	-532	731
Net realized gains on loan sales
148	144	140	116	48	86	93	59	23	50	100	81	39	90	85	86	-66	122	74	-63	47	51	88	51	36	93	107	232	118	197	126	111	125	109	-28	139	134	244	176
Net realized gains on sales of available-for-sale securities
146	-8	1	-	-	-	-	0	0	0	13	787	0	0	117	203	115	153	149	17	1	56	-98	76	-95	-44	-60	95	61	95	473	-	-	-	-	-	-	-	-
Net realized gains on sales of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	95	240	50	-93	-26	150	228
Loss (Gain) on foreclosed assets held for sale
-2	0	-2	-13	-82	-22	120	-	-	-	-	0	7	0	7	-	-	-	-	-44	-7	-40	-15	7	-17	-76	-116	-77	1	-3	24	14	8	1	13	-5	28	8	76
Bank-owned life insurance income, net
66	69	70	67	67	68	67	66	65	69	177	67	65	69	67	67	65	68	66	66	64	67	67	66	68	67	67	65	64	67	66	64	64	65	66	64	63	65	65
Originations of loans held for sale
6,638	9,114	5,883	5,615	2,029	4,563	4,629	3,196	4,460	4,534	5,621	5,596	2,924	7,230	4,773	5,059	4,541	1,749	4,114	3,965	2,118	1,493	2,217	697	471	2,002	4,210	4,990	3,510	7,653	6,534	4,449	4,793	4,669	2,512	-3,059	8,797	9,052	8,542
Proceeds from sales of loans held for sale
6,853	9,206	6,356	5,423	2,190	4,569	4,900	4,374	3,022	4,644	5,827	5,408	2,979	7,281	4,694	5,179	4,600	1,957	4,101	3,914	2,086	1,613	2,523	937	524	2,078	4,303	5,104	3,600	7,805	6,678	4,550	4,906	4,769	2,594	-2,827	8,962	8,944	9,154
ESOP compensation expense
102	108	105	98	100	104	118	103	95	95	95	95	95	91	91	90	87	84	80	66	80	83	81	78	80	78	76	73	71	65	63	61	56	53	54	-	-	-	-
Stock equity plan expense
56	56	55	56	56	57	56	56	57	56	56	57	57	56	56	37	56	172	65	51	51	50	51	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Changes in
Contribution of stock to the Foundation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	3,148	-	-	-	-
Accrued interest receivable
-292	-69	244	-112	292	-333	474	-185	254	-78	291	-382	257	-277	138	71	97	5	-43	4	-24	-77	-18	-236	273	-245	308	-410	414	-410	233	-348	590	-678	613	-409	432	-363	306
Other assets
-16	-137	296	-108	185	-193	-190	223	-55	-323	455	-93	-87	215	-614	495	35	17	-31	119	-133	105	-201	146	-49	79	-493	-123	-46	-16	-197	-35	-75	-168	-710	-346	-145	57	504
Accrued interest payable
-771	516	389	207	127	74	205	40	32	34	27	-	-	-	-	13	-5	-2	-12	-	-	-	15	15	15	7	15	3	-1	-4	3	-10	-23	-27	-55	-63	-9	72	-27
Post-retirement benefit obligation
13	15	16	16	16	13	12	262	-302	9	-3	-3	9	9	8	8	7	12	13	14	14	17	16	-122	67	19	20	6	16	12	17	20	19	21	20	-	0	-21	21
Other liabilities
488	-267	-54	470	134	926	-1,405	1,163	154	-260	-271	-84	1,104	-321	-241	68	644	-690	523	289	324	-167	-566	301	49	0	-295	355	335	-655	133	183	108	194	-478	900	-372	634	-588
Net cash provided by operating activities
1,204	1,702	1,867	1,998	1,077	2,716	6	3,257	296	1,015	270	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,339	1,250	1,117	2,078	933	2,293	837	2,140	995	1,275	716
Investing Activities
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	2,104	1,312	1,635	958	1,954	678	1,738	1,407	1,666	1,118	1,141	2,027	1,403	1,675	1,394	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of available-for-sale securities
12,083	11,002	6,596	31,653	2,525	2,513	5,457	6,716	8,907	14,477	9,130	50,741	1,976	18,283	2,421	17,000	5,000	0	3,000	9,986	6,075	8,400	24,542	10,032	28,418	32,882	1,999	14,049	43,392	29,557	72,883	58,684	37,294	65,921	37,134	75,007	8,961	39,386	47,757
Proceeds from the sales of available-for-sale securities
-	-	-	-	-	-	-	0	0	0	5,966	-	-	-	-	203	114	13,005	38,219	9,041	1	7,311	34,420	39,042	28,943	1,956	11,777	25,115	15,940	35,021	71,841	-20,745	19,781	42,354	25,916	-34,413	5,729	15,394	37,300
Proceeds from maturities and pay-downs of available-for-sale securities
8,458	5,249	6,034	11,191	1,745	3,725	3,894	1,691	1,772	6,305	4,756	5,838	966	15,444	9,759	15,064	4,635	958	4,598	4,201	3,955	1,790	1,717	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities and pay downs of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,052	4,044	5,592	9,480	5,906	67,155	6,504	20,194	9,275	62,066	206	2,365	16,541
Net change in loans
4,318	-313	3,482	-5,048	-1,597	9,836	14,759	19,641	-1,270	-7,417	26,140	3,960	1,497	-2,890	-3,829	14,514	16,147	25,121	33,567	18,099	-4,035	10,346	2,838	3,110	5,396	4,517	2,477	25,247	5,821	24,890	1,560	10,146	2,438	8,057	691	216	171	8,196	-489
Purchase of FHLB stock owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	350	100	800	-	-	-	-	-	-	-	-
Purchase of premises and equipment
25	7	84	158	26	452	472	939	98	376	3,441	969	142	479	92	49	51	78	36	-	-	-	-	338	257	635	19	101	36	131	115	59	146	428	56	85	23	45	159
Proceeds from sale of foreclosed assets
1	351	220	846	1,217	2,105	1,635	108	248	0	9	0	384	47	121	-	-	-	-	-	-	-	-	36	113	14	287	209	406	92	144	148	206	202	239	66	-2	130	176
Redemption of Federal Home Loan Bank stock
-	-	-	1,256	1,238	607	450	0	878	585	203	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of Federal Home Loan Bank stock
810	383	41	0	0	686	754	1,080	293	225	810	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from settlement of bank-owned life insurance policies
-	-	-	-	-	-	-	0	0	2	395	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) investing activities
-	-	-	-	-	-	-	-	-	-	-	-	347	-379	11,196	-16,297	-16,418	-11,220	6,214	-14,586	2,008	-9,522	8,757	27,479	-3,241	-33,492	10,621	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in investing activities
-8,777	653	-3,949	-7,118	3,246	-7,800	-15,463	-26,577	-5,130	-769	-28,192	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-27,661	-10,085	2,533	-22,856	-13,162	-12,410	-2,451	-47,589	-3,222	-29,988	6,590
Financing Activities
Net increase (decrease) in demand deposits, money market, NOW and savings accounts
7,224	2,228	-44,353	58,867	13,678	-6,276	-6,372	-1,503	12,473	1,905	12,613	2,910	9,632	6,509	-3,422	3,302	1,926	4,804	-2,240	17,049	10,246	3,998	-12,704	443	11,090	4,109	-10,898	-6,058	2,747	11,956	-8,339	-	-	-	-	-	-	-	-
Net decrease in demand deposits, money market, NOW and savings accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	111,410	108,250	5,107	1,870	6,128
Net increase (decrease) in certificates of deposit, including brokered certificates
-23,420	-9,379	-6,193	30,477	10,282	9,192	16,754	3,118	4,758	6,855	1,056	83	-342	-3,246	-6,686	9,811	11,729	-5,896	-5,272	-15,189	-1,955	-4,913	14,419	-163	4,803	3,557	20,450	6,195	13,728	-2,353	8,841	-1,466	949	-3,203	-1,470	-3,971	1,488	1,319	3,317
Net increase in advances from borrowers for taxes and insurance
179	246	100	-480	87	483	348	-801	96	492	-232	-293	243	154	-282	-240	147	335	-265	-274	188	364	-320	-325	250	343	-237	-397	285	376	-253	-	-	-	-	-	-	-	-
Net increase in advances from borrowers for taxes and insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	339	-65	198	-404	322	345	-252
Proceeds from Federal Home Loan Bank advances
27,000	23,500	8,000	0	0	39,250	72,250	54,500	19,000	20,500	46,000	18,000	17,000	7,000	48,500	56,000	57,500	49,000	104,000	149,000	19,500	48,500	52,000	86,750	126,000	66,500	116,500	79,335	179,665	160,500	168,500	153,500	104,000	147,500	152,500	-2,500	7,000	-15,000	23,500
Repayments of Federal Home Loan Bank advances
7,000	17,000	5,000	30,000	27,500	32,500	65,000	36,000	27,000	28,500	34,500	27,000	17,000	15,000	45,000	59,000	49,500	44,000	105,000	132,000	31,000	40,000	64,750	114,500	134,500	44,000	133,500	79,500	167,500	160,500	168,000	135,500	107,500	146,000	116,000	3,000	10,000	-26,500	26,500
Proceeds from other borrowings
0	0	5,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in repurchase agreements
64	238	1,087	-227	-598	706	-147	-453	-230	111	670	-257	-237	-1,814	99	-555	-218	-611	1,752	-379	1,115	604	360	-413	149	1,149	-235	-	-	-	-	-	-	-	-	-	-	-	-
Stock purchase per stock repurchase plan
443	233	6,783	-	-	-	-	-	-	-	-	0	187	301	887	0	0	566	860	-	-	-	-	824	510	3,281	7	404	543	2,287	105	-	-	-	-	-	-	-	-
Net cash provided by (used in) financing activities
-	-	-	-	-	-	-	-	-	-	-	-	8,794	-6,995	-7,678	9,362	21,263	2,878	-7,885	13,909	-2,123	7,713	-10,995	-29,236	7,282	28,166	-7,927	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from issuance of common stock, net of costs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	43,240	-	-	-	-
Stock issuance from employee stock ownership plan purchase
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	7,698	-7,698	3,849	-	-	-	-
Net cash provided by (used in) financing activities
3,604	-887	-48,142	58,162	-4,783	4,972	17,833	18,097	8,117	997	25,607	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28,382	7,692	644	19,214	7,395	3,003	-37,187	97,609	3,917	15,034	6,193
Net Increase (Decrease) in Cash and Cash Equivalents
-	-	-50,224	-	-	-	2,376	-5,223	3,283	1,243	-2,315	-9,019	11,245	-6,062	5,153	-5,977	6,799	-7,664	67	730	1,551	-691	-1,097	270	5,444	-3,651	4,088	-6,824	2,060	-1,143	4,294	-1,564	-4,834	-7,114	-38,801	52,160	1,690	-13,679	13,499
Supplemental Cash Flows Information
Interest paid
2,980	1,932	2,033	2,254	2,142	2,093	1,752	1,599	1,338	1,189	1,030	930	907	877	907	923	839	771	786	816	798	836	807	783	775	781	757	755	756	791	796	854	944	1,011	1,090	1,168	1,164	1,215	1,468
Income taxes paid
-	-	-	-	-	-	-	-	-	1,340	509	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income taxes paid, net of refunds
273	313	200	-	-	-	-	-	-	-	-	517	485	1,303	249	537	498	1,093	54	-	-	-	-	506	521	821	49	366	545	1,226	28	551	685	710	223	255	514	651	257
Foreclosed assets acquired in settlement of loans
0	202	28	27	0	0	6,332	-	-	-	-	-	-	-	-	-	-	-	-	27	59	31	181	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Foreclosed assets acquired in settlement of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	245	0	19	39	0	843	-30	291	213	323	42	95	16
With the initial public offering in July 2011, the Company loaned $3,849 to the Employee Stock Ownership Plan, which was used to acquire 384,900 shares of the Company's common stock. The loan is secured by the shares purchased and is shown as unearned ESOP shares in the consolidated balance sheets. Payments on the loan in 2011 were $0 which included $0 in principal and $0 in interest. In addition, the Company donated 314,755 shares valued at $3,148 to a charitable foundation.
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0