IF Bancorp, Inc. IROQ Income Statement

If bancorp, inc. (IROQ)

Income statement / 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
Interest and Dividend Income
Interest and fees on loans
5,738	5,794	5,897	5,860	5,747	5,721	5,505	5,104	4,849	4,923	4,740	4,597	4,519	4,659	4,668	4,582	4,384	4,177	3,912	3,652	3,599	3,569	3,501	3,488	3,436	3,446	3,391	3,257	3,140	3,021	3,027	3,028	3,047	3,034	3,068	3,086	3,102	3,206	3,251
Securities:
Taxable
975	911	919	860	828	826	827	792	730	650	646	655	663	603	683	716	704	719	949	1,082	1,068	1,095	1,135	1,310	1,346	1,288	1,120	1,207	1,221	1,257	1,338	1,455	1,417	1,439	1,369	1,067	1,010	995	1,092
Tax-exempt
11	23	30	30	29	30	33	33	32	35	35	36	35	36	36	36	37	37	38	37	42	39	32	23	22	26	28	28	28	30	30	29	28	33	30	30	30	32	31
Federal Home Loan Bank dividends
17	13	23	40	41	40	29	25	26	23	22	25	27	27	25	27	20	12	8	7	7	7	9	11	8	6	4	4	4	4	3	2	1	0	1	-	2	0	-
Deposits with other financial institutions
58	48	139	145	68	41	25	27	38	39	25	14	11	13	6	7	3	4	1	4	4	3	3	2	2	1	3	3	2	2	4	3	2	3	12	1	2	2	2
Total interest and dividend income
6,799	6,789	7,008	6,935	6,713	6,658	6,419	5,981	5,675	5,670	5,468	5,327	5,255	5,338	5,418	5,368	5,148	4,949	4,908	4,782	4,720	4,713	4,680	4,834	4,814	4,767	4,546	4,499	4,395	4,314	4,402	4,517	4,495	4,509	4,480	4,184	4,146	4,235	4,376
Interest Expense
Deposits
2,000	2,219	2,283	2,211	1,829	1,738	1,539	1,368	1,170	1,027	885	796	716	697	682	669	585	560	561	591	592	625	625	590	580	580	572	552	546	565	571	612	698	757	809	889	933	1,069	1,202
Federal Home Loan Bank advances and repurchase agreements
209	-	-	-	440	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Borrowings and repurchase agreements
-	229	139	-	-	429	418	271	200	196	172	139	182	180	225	267	249	209	213	202	198	196	197	209	209	208	200	206	209	222	228	232	223	227	226	216	221	219	239
Total interest expense
2,209	2,448	2,422	2,461	2,269	2,167	1,957	1,639	1,370	1,223	1,057	935	898	877	907	936	834	769	774	793	790	821	822	799	789	788	772	758	755	787	799	844	921	984	1,035	1,105	1,154	1,288	1,441
Net Interest Income
4,590	4,341	4,586	4,474	4,444	4,491	4,462	4,342	4,305	4,447	4,411	4,392	4,357	4,461	4,511	4,432	4,314	4,180	4,134	3,989	3,930	3,892	3,858	4,035	4,025	3,979	3,774	3,741	3,640	3,527	3,603	3,673	3,574	3,525	3,445	3,079	2,992	2,947	2,935
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
Net Interest Income After Provision for Loan Losses
4,308	4,371	4,640	4,503	4,383	4,353	4,225	4,033	4,195	4,497	4,003	2,896	4,165	4,507	4,432	4,208	4,060	3,772	3,654	3,788	3,913	3,754	3,754	3,899	3,885	3,932	3,595	3,698	3,595	3,122	3,501	3,275	3,181	3,330	3,306	2,578	2,767	2,547	2,710
Noninterest Income
Customer service fees
-	-	-	-	-	-	-	-	-	-	-	116	117	137	141	129	122	134	147	124	111	137	134	126	114	144	148	133	126	149	139	134	134	176	156	149	129	160	163
Other service charges and fees
-	-	-	-	-	-	-	-	-	-	-	70	64	62	60	48	69	45	50	37	32	25	28	20	17	26	46	64	60	75	72	48	62	70	43	36	49	79	77
Insurance commissions
149	192	162	163	160	154	183	127	129	170	173	124	198	177	173	128	184	169	185	183	193	145	199	134	200	152	198	132	200	169	203	121	178	208	183	115	116	111	216
Brokerage commissions
238	234	235	230	228	247	276	231	239	228	177	163	127	147	146	150	165	153	204	167	194	174	197	196	172	168	168	190	158	154	114	141	151	108	121	172	139	160	141
Net realized gains on sales of available-for-sale securities
146	-8	1	-	0	-	-	0	0	0	13	787	0	0	117	203	115	153	149	17	1	56	-98	76	-95	-44	-60	95	61	95	473	138	95	240	50	-93	-26	150	228
Mortgage banking income, net
2	116	45	59	25	66	86	132	121	65	70	138	65	154	130	15	14	57	40	75	22	32	56	38	31	66	62	75	74	91	114	111	125	109	-28	139	134	244	176
Gain on sale of loans
148	144	140	116	48	86	93	59	23	50	100	81	39	90	85	86	31	65	34	47	25	19	32	13	5	27	45	-	44	118	-	-	-	-	-	-	-	-	-
Gain (Loss) on foreclosed assets, net
-2	0	-2	-13	-82	-22	120	-	-24	-	-	0	7	0	7	-	1	-1	-	-44	-7	-40	-15	7	-17	-76	-116	-77	1	-3	24	15	7	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
Other
273	294	248	288	189	274	262	241	223	201	231	204	164	182	202	200	161	221	203	204	160	178	150	161	159	140	147	183	144	175	190	154	150	129	139	142	158	152	138
Total noninterest income
1,172	1,231	1,066	1,073	768	1,043	1,278	1,033	913	977	1,168	1,750	839	1,018	1,121	1,026	926	1,065	1,078	920	802	833	765	830	671	746	821	1,094	931	1,093	1,371	911	959	1,105	730	724	762	1,121	1,204
Noninterest Expense
Compensation and benefits
2,887	2,706	2,665	2,805	2,625	2,711	2,503	2,420	2,417	2,556	2,339	2,381	2,446	2,427	2,216	2,238	2,245	2,249	2,239	2,202	2,185	2,037	2,050	2,020	2,141	2,071	2,118	2,094	2,032	1,891	1,875	1,869	1,813	1,753	1,754	1,743	1,631	1,577	1,599
Office occupancy
242	242	255	207	240	229	211	192	206	194	169	139	146	149	149	148	142	144	150	139	151	134	141	142	136	121	129	118	131	133	131	97	120	111	121	94	122	126	112
Equipment
399	387	386	361	345	340	331	310	315	348	310	298	278	301	293	227	250	258	248	233	241	237	284	211	223	218	217	226	253	251	213	209	181	164	166	159	169	157	151
Federal deposit insurance
0	0	28	42	41	43	43	42	44	42	43	40	42	10	82	82	80	75	76	71	78	73	79	69	69	78	63	73	81	69	68	69	76	78	64	84	114	107	110
Stationary, printing and office
29	26	30	14	30	27	36	45	45	26	40	52	46	44	40	44	42	63	39	52	43	44	45	51	41	42	37	42	39	45	39	41	40	40	40	35	32	34	39
Advertising
162	97	121	118	130	113	142	137	123	130	84	79	107	87	69	99	90	76	87	82	96	101	107	126	102	109	89	103	84	86	70	68	82	89	78	77	81	77	64
Professional services
67	155	116	66	75	94	120	-69	154	188	79	129	159	115	126	95	106	134	150	176	93	119	127	70	80	82	116	97	47	112	125	71	58	102	94	40	27	80	46
Supervisory examinations
32	41	44	42	35	44	44	42	43	40	40	40	40	40	41	-269	38	38	39	38	38	38	35	39	39	37	37	36	35	35	35	34	30	33	65	-	53	0	53
Audit and accounting services
17	18	69	35	18	45	40	35	18	24	64	116	40	23	51	-241	17	25	61	17	14	24	46	43	20	32	49	37	21	50	52	50	31	78	45	-	0	0	23
Organizational dues and subscriptions
7	19	19	3	7	15	19	5	4	29	17	4	2	27	23	4	2	26	17	4	13	16	17	5	12	16	17	3	12	15	18	3	13	14	18	-	12	25	16
Insurance bond premiums
42	37	41	36	36	36	42	36	40	37	35	34	35	43	32	-229	29	40	30	27	27	37	28	29	27	37	28	28	24	38	25	25	30	26	24	-	18	29	24
Telephone and postage
55	48	50	40	50	66	67	64	62	72	67	80	62	47	44	-525	80	73	62	65	65	65	61	68	69	65	60	67	71	85	59	55	55	62	55	57	50	52	48
Charitable contributions
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7	3	0	3,601	5	10	12	3
Other
415	482	367	391	429	567	626	1,082	363	837	371	320	285	351	319	412	380	461	299	288	308	339	284	289	306	296	247	315	255	333	406	280	289	266	234	404	194	256	331
Total noninterest expense
4,354	4,266	4,191	4,160	4,061	4,330	4,224	4,341	3,834	4,523	3,658	3,712	3,681	3,664	3,478	3,549	3,500	3,663	3,497	3,438	3,359	3,304	3,319	3,155	3,282	3,280	3,323	3,316	3,084	3,146	3,092	2,863	2,814	2,815	6,346	2,633	2,485	2,524	2,543
Income Before Income Tax
1,126	1,336	1,515	1,416	1,090	1,066	1,279	725	1,274	951	1,513	934	1,323	1,861	2,075	1,685	1,486	1,174	1,235	1,270	1,356	1,283	1,200	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income Before Income Tax
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,574	1,274	1,398	1,093	1,476	1,442	1,069	1,780	1,323	1,326	1,620	-2,310	669	1,044	1,144	1,371
Provision for Income Tax
316	372	415	383	286	279	345	228	280	1,679	538	332	479	691	772	617	542	419	436	480	466	460	429	570	440	501	351	532	518	360	647	420	478	596	-935	104	379	432	483
Net Income
810	964	1,100	1,033	804	787	934	497	994	-728	975	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
Earnings Per Share:
Basic
0.27	0.32	0.33	0.30	0.24	0.22	0.26	0.13	0.27	-0.20	0.27	0.16	0.23	0.32	0.35	-	0.25	0.20	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Diluted
0.26	0.31	0.33	0.30	0.24	0.22	0.25	0.14	0.27	-0.20	0.26	0.16	0.23	0.32	0.35	-	0.25	0.20	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Basic and diluted
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.21	-	0.23	0.21	0.19	0.23	0.21	0.22	0.18	0.23	0.22	0.16	0.25	0.21	0.19	0.23	-0.31	-	-	-	-
Dividends declared per common share
0.15	0.00	0.15	0.00	0.12	0.00	0.12	0.00	0.10	0.00	0.10	0.00	0.08	0.00	0.08	0.00	0.08	0.00	0.05	-	0.05	0.00	0.05	-	0.05	0.00	0.05	-	0.00	-	0.00	-	-	-	-	-	-	-	-
Customer Service Fees [Member]
Noninterest income
90	95	102	81	80	103	103	-	75	100	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Service Charges and Fees [Member]
Noninterest income
66	87	65	71	53	67	88	-	62	94	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-