IF Bancorp, Inc. IROQ Cash Flow

If bancorp, inc. (IROQ)

CashFlow / TTM

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
3,907	3,901	3,724	3,558	3,022	3,212	1,697	1,738	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income
-	-	-	-	-	-	-	-	-	-	-	3,919	4,385	4,485	4,070	3,566	3,288	3,234	3,302	3,274	3,488	3,432	3,506	3,477	3,417	3,507	3,319	3,710	3,669	3,593	3,908	1,400	1,062	879	567	2,830	0	0	0
Items not requiring (providing) cash
Depreciation
632	629	632	628	594	550	498	468	385	358	337	324	414	424	426	428	428	426	428	430	439	432	423	418	415	421	437	447	453	457	444	430	418	404	400	392	0	0	0
Provision for loan losses
169	-52	116	407	745	794	606	777	1,964	2,046	2,050	1,721	449	511	965	1,366	1,343	1,106	836	460	395	518	427	502	409	314	672	595	950	1,298	1,088	1,125	1,228	1,060	1,265	1,351	0	0	0
Amortization of premiums and discounts on securities
-177	-239	-167	-83	-76	-94	-123	-157	-169	-178	-185	-236	-278	-305	-314	-322	-379	-441	-502	-569	-634	-723	-841	-964	-1,095	-1,216	-1,295	-1,293	-1,209	-1,102	-1,081	-1,172	253	304	427	690	0	0	0
Deferred income taxes
383	393	432	76	-371	384	1,657	1,324	1,156	355	-699	-332	215	295	-20	-230	-370	-307	-234	-135	57	27	94	167	208	222	216	78	-82	-224	-384	-1,402	-1,890	-1,244	-1,672	233	0	0	0
Net realized gains on loan sales
548	448	390	343	286	261	225	232	254	270	310	295	300	195	227	216	67	180	109	123	237	226	268	287	468	550	654	673	552	559	471	317	345	354	489	693	0	0	0
Net realized gains on sales of available-for-sale securities
0	0	0	-	-	-	-	13	800	800	800	904	320	435	588	620	434	320	223	-24	35	-61	-161	-123	-104	52	191	724	0	0	0	-	-	-	-	-	-	-	-
Net realized gains on sales of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	292	171	81	259	0	0	0
Loss (Gain) on foreclosed assets held for sale
-17	-97	-119	3	0	0	0	-	-	-	-	14	0	0	0	-	-	-	-	-106	-55	-65	-101	-202	-286	-268	-195	-55	36	43	47	36	17	37	44	107	0	0	0
Bank-owned life insurance income, net
272	273	272	269	268	266	267	377	378	378	378	268	268	268	267	266	265	264	263	264	264	268	268	268	267	263	263	262	261	261	259	259	259	258	258	257	0	0	0
Originations of loans held for sale
27,250	22,641	18,090	16,836	14,417	16,848	16,819	17,811	20,211	18,675	21,371	20,523	19,986	21,603	16,122	15,463	14,369	11,946	11,690	9,793	6,525	4,878	5,387	7,380	11,673	14,712	20,363	22,687	22,146	23,429	20,445	16,423	8,915	12,919	17,302	23,332	0	0	0
Proceeds from sales of loans held for sale
27,838	23,175	18,538	17,082	16,033	16,865	16,940	17,867	18,901	18,858	21,495	20,362	20,133	21,754	16,430	15,837	14,572	12,058	11,714	10,136	7,159	5,597	6,062	7,842	12,009	15,085	20,812	23,187	22,633	23,939	20,903	16,819	9,442	13,498	17,673	24,233	0	0	0
ESOP compensation expense
413	411	407	420	425	420	411	388	380	380	376	372	367	359	352	341	317	310	309	310	322	322	317	312	307	298	285	272	260	245	233	224	0	0	0	-	-	-	-
Stock equity plan expense
223	223	224	225	225	226	225	225	226	226	226	226	206	205	321	330	344	339	217	203	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Changes in
Contribution of stock to the Foundation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-
Accrued interest receivable
-229	355	91	321	248	210	465	282	85	88	-111	-264	189	29	311	130	63	-58	-140	-115	-355	-58	-226	100	-74	67	-98	-173	-111	65	-203	177	116	-42	273	-34	0	0	0
Other assets
35	236	180	-306	25	-215	-345	300	-16	-48	490	-579	9	131	-67	516	140	-28	60	-110	-83	1	-25	-317	-586	-583	-678	-382	-294	-323	-475	-988	-1,299	-1,369	-1,144	70	0	0	0
Accrued interest payable
341	1,239	797	613	446	351	311	133	0	0	0	-	-	-	-	-6	0	0	0	-	-	-	52	52	40	24	13	1	-12	-34	-57	-115	-168	-154	-55	-27	0	0	0
Post-retirement benefit obligation
60	63	61	57	303	-15	-19	-34	-299	12	12	23	34	32	35	40	46	53	58	61	-75	-22	-20	-16	112	61	54	51	65	68	77	80	0	0	0	-	0	0	0
Other liabilities
637	283	1,476	125	818	838	-348	786	-461	489	428	458	610	150	-219	545	766	446	969	-120	-108	-383	-216	55	109	395	-260	168	-4	-231	618	7	724	244	684	574	0	0	0
Net cash provided by operating activities
6,771	6,644	7,658	5,797	7,056	6,275	4,574	4,838	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,784	5,378	6,421	6,141	6,203	6,265	5,247	5,126	0	0	0
Investing Activities
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	6,009	5,859	5,225	5,328	5,777	5,489	5,929	5,332	5,952	5,689	6,246	6,499	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of available-for-sale securities
61,334	51,776	43,287	42,148	17,211	23,593	35,557	39,230	83,255	76,324	80,130	73,421	39,680	42,704	24,421	25,000	17,986	19,061	27,461	49,003	49,049	71,392	95,874	73,331	77,348	92,322	88,997	159,881	204,516	198,418	234,782	199,033	215,356	187,023	160,488	171,111	0	0	0
Proceeds from the sales of available-for-sale securities
-	-	-	-	-	-	-	5,966	0	0	0	-	-	-	-	51,541	60,379	60,266	54,572	50,773	80,774	109,716	104,361	81,718	67,791	54,788	87,853	147,917	102,057	105,898	113,231	67,306	53,638	39,586	12,626	24,010	0	0	0
Proceeds from maturities and pay-downs of available-for-sale securities
30,932	24,219	22,695	20,555	11,055	11,082	13,662	14,524	18,671	17,865	27,004	32,007	41,233	44,902	30,416	25,255	14,392	13,712	14,544	11,663	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities and pay downs of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22,168	25,022	88,133	89,045	99,759	103,128	98,039	91,741	73,912	81,178	0	0	0
Net change in loans
2,439	-3,476	6,673	17,950	42,639	42,966	25,713	37,094	21,413	24,180	28,707	-1,262	9,292	23,942	51,953	89,349	92,934	72,752	57,977	27,248	12,259	21,690	15,861	15,500	37,637	38,062	58,435	57,518	42,417	39,034	22,201	21,332	11,402	9,135	9,274	8,094	0	0	0
Purchase of FHLB stock owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,250	0	0	0	-	-	-	-	-	-	-	-
Purchase of premises and equipment
274	275	720	1,108	1,889	1,961	1,885	4,854	4,884	4,928	5,031	1,682	762	671	270	214	0	0	0	-	-	-	-	1,249	1,012	791	287	383	341	451	748	689	715	592	209	312	0	0	0
Proceeds from sale of foreclosed assets
1,418	2,634	4,388	5,803	5,065	4,096	1,991	365	257	393	440	552	0	0	0	-	-	-	-	-	-	-	-	450	623	916	994	851	790	590	700	795	713	505	433	370	0	0	0
Redemption of Federal Home Loan Bank stock
-	-	-	3,551	2,295	1,935	1,913	1,666	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of Federal Home Loan Bank stock
1,234	424	727	1,440	2,520	2,813	2,352	2,408	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from settlement of bank-owned life insurance policies
-	-	-	-	-	-	-	397	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-5,133	-21,898	-32,739	-37,721	-36,010	-17,584	-15,886	-13,343	28,722	23,473	-497	1,367	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in investing activities
-19,191	-7,168	-15,621	-27,135	-46,594	-54,970	-47,939	-60,668	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-58,069	-43,570	-45,895	-50,879	-75,612	-65,672	-83,250	-74,209	0	0	0
Financing Activities
Net increase (decrease) in demand deposits, money market, NOW and savings accounts
23,966	30,420	21,916	59,897	-473	-1,678	6,503	25,488	29,901	27,060	31,664	15,629	16,021	8,315	6,610	7,792	21,539	29,859	29,053	18,589	1,983	2,827	2,938	4,744	-1,757	-10,100	-2,253	306	0	0	0	-	-	-	-	-	-	-	-
Net decrease in demand deposits, money market, NOW and savings accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	226,637	121,355	0	0	0
Net increase (decrease) in certificates of deposit, including brokered certificates
-8,515	25,187	43,758	66,705	39,346	33,822	31,485	15,787	12,752	7,652	-2,449	-10,191	-463	11,608	8,958	10,372	-14,628	-28,312	-27,329	-7,638	7,388	14,146	22,616	28,647	35,005	43,930	38,020	26,411	18,750	5,971	5,121	-5,190	-7,695	-7,156	-2,634	2,153	0	0	0
Net increase in advances from borrowers for taxes and insurance
45	-47	190	438	117	126	135	-445	63	210	-128	-178	-125	-221	-40	-23	-57	-16	13	-42	-93	-31	-52	31	-41	-6	27	11	0	0	0	-	-	-	-	-	-	-	-
Net increase in advances from borrowers for taxes and insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	68	51	461	11	0	0	0
Proceeds from Federal Home Loan Bank advances
58,500	31,500	47,250	111,500	166,000	185,000	166,250	140,000	103,500	101,500	88,000	90,500	128,500	169,000	211,000	266,500	359,500	321,500	321,000	269,000	206,750	313,250	331,250	395,750	388,335	442,000	536,000	588,000	662,165	586,500	573,500	557,500	401,500	304,500	142,000	13,000	0	0	0
Repayments of Federal Home Loan Bank advances
59,000	79,500	95,000	155,000	161,000	160,500	156,500	126,000	117,000	107,000	93,500	104,000	136,000	168,500	197,500	257,500	330,500	312,000	308,000	267,750	250,250	353,750	357,750	426,500	391,500	424,500	541,000	575,500	631,500	571,500	557,000	505,000	372,500	275,000	102,500	13,000	0	0	0
Proceeds from other borrowings
0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in repurchase agreements
1,162	500	968	-266	-492	-124	-719	98	294	287	-1,638	-2,209	-2,507	-2,488	-1,285	368	544	1,877	3,092	1,700	1,666	700	1,245	650	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Stock purchase per stock repurchase plan
0	0	0	-	-	-	-	-	-	-	-	1,375	1,375	1,188	1,453	1,426	0	0	0	-	-	-	-	4,622	4,202	4,235	3,241	3,339	0	0	0	-	-	-	-	-	-	-	-
Net cash provided by (used in) financing activities
-	-	-	-	-	-	-	-	-	-	-	-	3,483	15,952	25,825	25,618	30,165	6,779	11,614	8,504	-34,641	-25,236	-4,783	-1,715	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from issuance of common stock, net of costs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	43,240	0	0	0	-	-	-	-
Stock issuance from employee stock ownership plan purchase
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,849	0	0	0	-	-	-	-
Net cash provided by (used in) financing activities
12,737	4,350	10,209	76,184	36,119	49,019	45,044	52,818	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	55,932	34,945	30,256	-7,575	70,820	67,342	79,373	122,753	0	0	0
Net Increase (Decrease) in Cash and Cash Equivalents
-	-	2,246	-	-	-	1,679	-3,012	-6,808	1,154	-6,151	1,317	4,359	-87	-1,689	-6,775	-68	-5,316	1,657	493	33	3,926	966	6,151	-943	-4,327	-1,819	-1,613	3,647	-3,247	-9,218	-52,313	1,411	7,935	1,370	53,670	0	0	0
Supplemental Cash Flows Information
Interest paid
9,199	8,361	8,522	8,241	7,586	6,782	5,878	5,156	4,487	4,056	3,744	3,621	3,614	3,546	3,440	3,319	3,212	3,171	3,236	3,257	3,224	3,201	3,146	3,096	3,068	3,049	3,059	3,098	3,197	3,385	3,605	3,899	4,213	4,433	4,637	5,015	0	0	0
Income taxes paid
-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income taxes paid, net of refunds
0	0	0	-	-	-	-	-	-	-	-	2,554	2,574	2,587	2,377	2,182	0	0	0	-	-	-	-	1,897	1,757	1,781	2,186	2,165	2,350	2,490	1,974	2,169	1,873	1,702	1,643	1,677	0	0	0
Foreclosed assets acquired in settlement of loans
257	257	55	6,359	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	298	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Foreclosed assets acquired in settlement of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	303	58	901	852	1,104	1,317	797	869	673	476	0	0	0
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