IF Bancorp, Inc. IROQ Income Statement

If bancorp, inc. (IROQ)

Income statement / 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
Interest and Dividend Income
Interest and fees on loans
23,289	23,298	23,225	22,833	22,077	21,179	20,381	19,616	19,109	18,779	18,515	18,443	18,428	18,293	17,811	17,055	16,125	15,340	14,732	14,321	14,157	13,994	13,871	13,761	13,530	13,234	12,809	12,445	12,216	12,123	12,136	12,177	12,235	12,290	12,462	12,645	0	0	0
Securities:
Taxable
3,665	3,518	3,433	3,341	3,273	3,175	2,999	2,818	2,681	2,614	2,567	2,604	2,665	2,706	2,822	3,088	3,454	3,818	4,194	4,380	4,608	4,886	5,079	5,064	4,961	4,836	4,805	5,023	5,271	5,467	5,649	5,680	5,292	4,885	4,441	4,164	0	0	0
Tax-exempt
94	112	119	122	125	128	133	135	138	141	142	143	143	145	146	148	149	154	156	150	136	116	103	99	104	110	114	116	117	117	120	120	121	123	122	123	0	0	0
Federal Home Loan Bank dividends
93	117	144	150	135	120	103	96	96	97	101	104	106	99	84	67	47	34	29	30	34	35	34	29	22	18	16	15	13	10	6	4	4	3	0	-	0	0	-
Deposits with other financial institutions
390	400	393	279	161	131	129	129	116	89	63	44	37	29	20	15	12	13	12	14	12	10	8	8	9	9	10	11	11	11	12	20	18	18	17	7	0	0	0
Total interest and dividend income
27,531	27,445	27,314	26,725	25,771	24,733	23,745	22,794	22,140	21,720	21,388	21,338	21,379	21,272	20,883	20,373	19,787	19,359	19,123	18,895	18,947	19,041	19,095	18,961	18,626	18,207	17,754	17,610	17,628	17,728	17,923	18,001	17,668	17,319	17,045	16,941	0	0	0
Interest Expense
Deposits
8,713	8,542	8,061	7,317	6,474	5,815	5,104	4,450	3,878	3,424	3,094	2,891	2,764	2,633	2,496	2,375	2,297	2,304	2,369	2,433	2,432	2,420	2,375	2,322	2,284	2,250	2,235	2,234	2,294	2,446	2,638	2,876	3,153	3,388	3,700	4,093	0	0	0
Federal Home Loan Bank advances and repurchase agreements
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Borrowings and repurchase agreements
-	1,058	1,258	-	-	1,318	1,085	839	707	689	673	726	854	921	950	938	873	822	809	793	800	811	823	826	823	823	837	865	891	905	910	908	892	890	882	895	0	0	0
Total interest expense
9,540	9,600	9,319	8,854	8,032	7,133	6,189	5,289	4,585	4,113	3,767	3,617	3,618	3,554	3,446	3,313	3,170	3,126	3,178	3,226	3,232	3,231	3,198	3,148	3,107	3,073	3,072	3,099	3,185	3,351	3,548	3,784	4,045	4,278	4,582	4,988	0	0	0
Net Interest Income
17,991	17,845	17,995	17,871	17,739	17,600	17,556	17,505	17,555	17,607	17,621	17,721	17,761	17,718	17,437	17,060	16,617	16,233	15,945	15,669	15,715	15,810	15,897	15,813	15,519	15,134	14,682	14,511	14,443	14,377	14,375	14,217	13,623	13,041	12,463	11,953	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
Net Interest Income After Provision for Loan Losses
17,822	17,897	17,879	17,464	16,994	16,806	16,950	16,728	15,591	15,561	15,571	16,000	17,312	17,207	16,472	15,694	15,274	15,127	15,109	15,209	15,320	15,292	15,470	15,311	15,110	14,820	14,010	13,916	13,493	13,079	13,287	13,092	12,395	11,981	11,198	10,602	0	0	0
Noninterest Income
Customer service fees
-	-	-	-	-	-	-	-	-	-	-	511	524	529	526	532	527	516	519	506	508	511	518	532	539	551	556	547	548	556	583	600	615	610	594	601	0	0	0
Other service charges and fees
-	-	-	-	-	-	-	-	-	-	-	256	234	239	222	212	201	164	144	122	105	90	91	109	153	196	245	271	255	257	252	223	211	198	207	241	0	0	0
Insurance commissions
666	677	639	660	624	593	609	599	596	665	672	672	676	662	654	666	721	730	706	720	671	678	685	684	682	682	699	704	693	671	710	690	684	622	525	558	0	0	0
Brokerage commissions
937	927	940	981	982	993	974	875	807	695	614	583	570	608	614	672	689	718	739	732	761	739	733	704	698	684	670	616	567	560	514	521	552	540	592	612	0	0	0
Net realized gains on sales of available-for-sale securities
139	0	0	-	0	-	-	13	800	800	800	904	320	435	588	620	434	320	223	-24	35	-61	-161	-123	-104	52	191	724	767	801	946	523	292	171	81	259	0	0	0
Mortgage banking income, net
222	245	195	236	309	405	404	388	394	338	427	487	364	313	216	126	186	194	169	185	148	157	191	197	234	277	302	354	390	441	459	317	345	354	489	693	0	0	0
Gain on sale of loans
548	448	390	343	286	261	225	232	254	270	310	295	300	292	267	216	177	171	125	123	89	69	77	90	121	234	0	-	0	0	-	-	-	-	-	-	-	-	-
Gain (Loss) on foreclosed assets, net
-17	-97	-119	3	0	0	0	-	0	-	-	14	0	0	0	-	0	0	-	-106	-55	-65	-101	-202	-286	-268	-195	-55	37	43	47	36	16	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
Other
1,103	1,019	999	1,013	966	1,000	927	896	859	800	781	752	748	745	784	785	789	788	745	692	649	648	610	607	629	614	649	692	663	669	623	572	560	568	591	590	0	0	0
Total noninterest income
4,542	4,138	3,950	4,162	4,122	4,267	4,201	4,091	4,808	4,734	4,775	4,728	4,004	4,091	4,138	4,095	3,989	3,865	3,633	3,320	3,230	3,099	3,012	3,068	3,332	3,592	3,939	4,489	4,306	4,334	4,346	3,705	3,518	3,321	3,337	3,811	0	0	0
Noninterest Expense
Compensation and benefits
11,063	10,801	10,806	10,644	10,259	10,051	9,896	9,732	9,693	9,722	9,593	9,470	9,327	9,126	8,948	8,971	8,935	8,875	8,663	8,474	8,292	8,248	8,282	8,350	8,424	8,315	8,135	7,892	7,667	7,448	7,310	7,189	7,063	6,881	6,705	6,550	0	0	0
Office occupancy
946	944	931	887	872	838	803	761	708	648	603	583	592	588	583	584	575	584	574	565	568	553	540	528	504	499	511	513	492	481	459	449	446	448	463	454	0	0	0
Equipment
1,533	1,479	1,432	1,377	1,326	1,296	1,304	1,283	1,271	1,234	1,187	1,170	1,099	1,071	1,028	983	989	980	959	995	973	955	936	869	884	914	947	943	926	854	767	720	670	658	651	636	0	0	0
Federal deposit insurance
70	111	154	169	169	172	171	171	169	167	135	174	216	254	319	313	302	300	298	301	299	290	295	279	283	295	286	291	287	282	291	287	302	340	369	415	0	0	0
Stationary, printing and office
99	100	101	107	138	153	152	156	163	164	182	182	174	170	189	188	196	197	178	184	183	181	179	171	162	160	163	165	164	165	160	161	155	147	141	140	0	0	0
Advertising
498	466	482	503	522	515	532	474	416	400	357	342	362	345	334	352	335	341	366	386	430	436	444	426	403	385	362	343	308	306	309	317	326	325	313	299	0	0	0
Professional services
404	412	351	355	220	299	393	352	550	555	482	529	495	442	461	485	566	553	538	515	409	396	359	348	375	342	372	381	355	366	356	325	294	263	241	193	0	0	0
Supervisory examinations
159	162	165	165	165	173	169	165	163	160	160	161	-148	-150	-152	-154	153	153	153	149	150	151	150	152	149	145	143	141	139	134	132	162	0	0	0	-	0	0	0
Audit and accounting services
139	140	167	138	138	138	117	141	222	244	243	230	-127	-150	-148	-138	120	117	116	101	127	133	141	144	138	139	157	160	173	183	211	204	0	0	0	-	0	0	0
Organizational dues and subscriptions
48	48	44	44	46	43	57	55	54	52	50	56	56	56	55	49	49	60	50	50	51	50	50	50	48	48	47	48	48	49	48	48	0	0	0	-	0	0	0
Insurance bond premiums
156	150	149	150	150	154	155	148	146	141	147	144	-119	-125	-128	-130	126	124	121	119	121	121	121	121	120	117	118	115	112	118	106	105	0	0	0	-	0	0	0
Telephone and postage
193	188	206	223	247	259	265	265	281	281	256	233	-372	-354	-328	-310	280	265	257	256	259	263	263	262	261	263	283	282	270	254	231	227	229	224	214	207	0	0	0
Charitable contributions
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,611	3,609	3,616	3,628	30	0	0	0
Other
1,655	1,669	1,754	2,013	2,704	2,638	2,908	2,653	1,891	1,813	1,327	1,275	1,367	1,462	1,572	1,552	1,428	1,356	1,234	1,219	1,220	1,218	1,175	1,138	1,164	1,113	1,150	1,309	1,274	1,308	1,241	1,069	1,193	1,098	1,088	1,185	0	0	0
Total noninterest expense
16,971	16,678	16,742	16,775	16,956	16,729	16,922	16,356	15,727	15,574	14,715	14,535	14,372	14,191	14,190	14,209	14,098	13,957	13,598	13,420	13,137	13,060	13,036	13,040	13,201	13,003	12,869	12,638	12,185	11,915	11,584	14,838	14,608	14,279	13,988	10,185	0	0	0
Income Before Income Tax
5,393	5,357	5,087	4,851	4,160	4,344	4,229	4,463	4,672	4,721	5,631	6,193	6,944	7,107	6,420	5,580	5,165	5,035	5,144	5,109	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income Before Income Tax
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,339	5,241	5,409	5,080	5,767	5,614	5,498	6,049	1,959	1,305	1,023	547	4,228	0	0	0
Provision for Income Tax
1,486	1,456	1,363	1,293	1,138	1,132	2,532	2,725	2,829	3,028	2,040	2,274	2,559	2,622	2,350	2,014	1,877	1,801	1,842	1,835	1,925	1,899	1,940	1,862	1,824	1,902	1,761	2,057	1,945	1,905	2,141	559	243	144	-20	1,398	0	0	0
Net Income
3,907	3,901	3,724	3,558	3,022	3,212	1,697	1,738	1,843	1,693	3,591	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
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
368	358	366	367	0	0	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Service Charges and Fees [Member]
Noninterest income
289	276	256	279	0	0	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-