IROQ · As filed with the SEC
IF Bancorp cash flow statement, by fiscal year
The statement as IF Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.
Consolidated Statements of Cash Flows · USD
| USD | FY2025 Year ended Jun 30, 2025 | FY2024 Year ended Jun 30, 2024 | FY2023 Year ended Jun 30, 2023 | FY2022 Year ended Jun 30, 2022 | FY2021 Year ended Jun 30, 2021 | FY2020 Year ended Jun 30, 2020 | FY2019 Year ended Jun 30, 2019 | FY2018 Year ended Jun 30, 2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Net income | — | — | — | — | — | — | — | 1,738,000 |
| Net income | 4,304,000 | 1,790,000 | 4,660,000 | 5,784,000 | 5,347,000 | 4,245,000 | 3,558,000 | — |
| Items not requiring (providing) cash | ||||||||
| Depreciation | 621,000 | 671,000 | 663,000 | 675,000 | 679,000 | 671,000 | 628,000 | 468,000 |
| Provision (credit) for credit losses | — | — | (228,000) | 492,000 | 844,000 | 128,000 | 407,000 | 777,000 |
| Provision (credit) for credit losses | (701,000) | 150,000 | — | — | — | — | — | — |
| Amortization (accretion) of premiums and discounts on securities | (179,000) | (214,000) | 118,000 | 614,000 | 855,000 | 304,000 | 83,000 | 157,000 |
| Deferred income taxes | 114,000 | 120,000 | (156,000) | 218,000 | (162,000) | (15,000) | 76,000 | 1,324,000 |
| Net realized gains on loan sales | (295,000) | (266,000) | (172,000) | (515,000) | (1,573,000) | (801,000) | (343,000) | (232,000) |
| Net realized gains on sales of available-for-sale securities | — | — | — | — | (320,000) | (267,000) | (11,000) | (13,000) |
| Net realized losses on sales of available-for-sale securities | — | — | 171,000 | 275,000 | — | — | — | — |
| Net realized losses on sales of available-for-sale securities | 71,000 | 0 | — | — | — | — | — | — |
| Loss (gain) on foreclosed real estate held for sale | (8,000) | 1,000 | (28,000) | 6,000 | 30,000 | 27,000 | (3,000) | 24,000 |
| Bank-owned life insurance income, net | — | (506,000) | (388,000) | (488,000) | (411,000) | (273,000) | (269,000) | (377,000) |
| Bank-owned life insurance income, net | (456,000) | — | — | — | — | — | — | — |
| Originations of loans held for sale | (15,284,000) | (13,531,000) | (7,554,000) | (27,546,000) | (57,465,000) | (40,615,000) | (16,836,000) | (17,811,000) |
| Proceeds from sales of loans held for sale | 15,641,000 | 13,788,000 | 7,934,000 | 28,016,000 | 58,660,000 | 41,318,000 | 17,082,000 | 17,867,000 |
| ESOP compensation expense | 421,000 | 303,000 | 335,000 | 445,000 | 379,000 | 395,000 | 420,000 | 388,000 |
| Stock equity plan expense | 187,000 | 260,000 | 327,000 | 156,000 | 193,000 | 223,000 | 225,000 | 225,000 |
| Changes in | ||||||||
| Accrued interest receivable | (88,000) | (676,000) | (758,000) | (126,000) | 11,000 | 234,000 | (321,000) | (282,000) |
| Other assets | 1,307,000 | 921,000 | (3,053,000) | 280,000 | (264,000) | (219,000) | 306,000 | (300,000) |
| Accrued interest payable | (1,148,000) | 1,343,000 | 1,490,000 | (23,000) | (338,000) | (264,000) | 613,000 | 133,000 |
| Post-retirement benefit obligation | 9,000 | 23,000 | 21,000 | 37,000 | 87,000 | 57,000 | 57,000 | (34,000) |
| Other liabilities | 2,245,000 | (1,894,000) | (616,000) | 369,000 | 315,000 | 1,748,000 | 125,000 | 786,000 |
| Net cash provided by operating activities | 6,761,000 | 2,283,000 | 2,766,000 | 8,669,000 | 6,867,000 | 6,896,000 | 5,797,000 | 4,838,000 |
| Investing Activities | ||||||||
| Net change in interest bearing time deposits | 0 | 1,000,000 | 250,000 | 750,000 | 750,000 | — | (1,250,000) | — |
| Purchases of available-for-sale securities | — | — | — | — | (79,590,000) | (52,052,000) | (42,148,000) | (39,230,000) |
| Proceeds from the sales of available-for-sale securities | — | — | — | — | 12,891,000 | 15,712,000 | 6,852,000 | 5,966,000 |
| Purchases of available-for-sale securities | (18,342,000) | (1,977,000) | (18,205,000) | (98,784,000) | — | — | — | — |
| Proceeds from the sales of available-for-sale securities | 4,665,000 | 0 | 7,695,000 | 6,049,000 | — | — | — | — |
| Proceeds from maturities and pay-downs of available-for-sale securities | 22,419,000 | 14,340,000 | 23,601,000 | 33,383,000 | 35,164,000 | 25,619,000 | 20,555,000 | 14,524,000 |
| Net change in loans | 6,189,000 | (51,993,000) | (68,373,000) | (6,577,000) | (4,639,000) | (22,165,000) | (17,950,000) | (37,094,000) |
| Purchase of premises and equipment | (242,000) | (247,000) | (2,250,000) | (387,000) | (279,000) | (158,000) | (1,108,000) | (4,854,000) |
| Proceeds from sale of premises and equipment | 0 | 88,000 | — | — | — | — | — | — |
| Proceeds from the sale of foreclosed assets | 49,000 | 33,000 | 148,000 | 253,000 | 418,000 | 595,000 | 5,803,000 | 365,000 |
| Purchase of Federal Home Loan Bank stock | (1,466,000) | (2,292,000) | (1,050,000) | 0 | (1,170,000) | (1,854,000) | (1,440,000) | (2,408,000) |
| Redemption of Federal Home Loan Bank stock | — | — | — | 1,056,000 | — | — | — | — |
| Redemption of Federal Home Loan Bank stock | 791,000 | 920,000 | 1,065,000 | — | — | — | 3,551,000 | 1,666,000 |
| Purchase of bank-owned life insurance | — | — | 0 | (5,000,000) | — | — | — | — |
| Proceeds from settlement of bank-owned life insurance death claim | — | — | — | 454,000 | 417,000 | — | — | — |
| Proceeds from settlement of bank-owned life insurance death claim | 0 | 375,000 | 0 | — | — | — | — | 397,000 |
| Net cash provided by (used in) investing activities | 14,063,000 | (39,753,000) | (57,119,000) | (68,803,000) | (36,038,000) | (34,303,000) | (27,135,000) | (60,668,000) |
| Financing Activities | ||||||||
| Net increase (decrease) in demand deposits, money market, NOW and savings accounts | 629,000 | (44,174,000) | (49,826,000) | 95,880,000 | 85,455,000 | 43,471,000 | 59,897,000 | 25,488,000 |
| Net increase (decrease) in certificates of deposit, including brokered certificates | (6,548,000) | 36,037,000 | 33,120,000 | (11,492,000) | (19,523,000) | (48,794,000) | 66,705,000 | 15,787,000 |
| Net increase (decrease) in advances from borrowers for taxes and insurance | 4,000 | (265,000) | 730,000 | (425,000) | 409,000 | (228,000) | 438,000 | (445,000) |
| Proceeds from Federal Home Loan Bank advances | 563,125,000 | 680,499,000 | 513,600,000 | 0 | 77,000,000 | 101,500,000 | 111,500,000 | 140,000,000 |
| Repayment of Federal Home Loan Bank advances | (542,000,000) | (667,000,000) | (509,100,000) | (10,000,000) | (86,500,000) | (91,000,000) | (155,000,000) | (126,000,000) |
| Proceeds from other borrowings | 114,700,000 | 523,175,000 | — | — | 0 | 5,000,000 | — | — |
| Repayments of other borrowings | (139,950,000) | (497,925,000) | 0 | (3,000,000) | 0 | (2,000,000) | — | — |
| Net increase in repurchase agreements | — | — | — | 2,999,000 | 2,507,000 | 1,723,000 | (266,000) | 98,000 |
| Net increase in repurchase agreements | 1,023,000 | 6,985,000 | 1,543,000 | — | — | — | — | — |
| Dividends paid | (1,286,000) | (1,279,000) | (1,269,000) | (1,067,000) | (909,000) | (939,000) | (868,000) | (730,000) |
| Purchases of common stock | — | — | — | — | 0 | (7,459,000) | (6,222,000) | (1,380,000) |
| Proceeds from exercise of stock options | — | 0 | 732,000 | 315,000 | — | — | — | — |
| Net cash provided by (used in) financing activities | (10,303,000) | 36,053,000 | (10,470,000) | 73,210,000 | 58,439,000 | 1,274,000 | 76,184,000 | 52,818,000 |
| Increase (Decrease) in Cash and Cash Equivalents | — | — | — | — | — | — | 54,846,000 | (3,012,000) |
| Increase (Decrease) in Cash and Cash Equivalents | 10,521,000 | (1,417,000) | (64,823,000) | 13,076,000 | 29,268,000 | (26,133,000) | — | — |
| Cash and Cash Equivalents, Beginning of Year | — | — | — | 62,735,000 | 33,467,000 | 59,600,000 | 4,754,000 | 7,766,000 |
| Cash and Cash Equivalents, End of Year | — | — | — | — | 62,735,000 | 33,467,000 | 59,600,000 | 4,754,000 |
| Cash and Cash Equivalents, Beginning of Year | 9,571,000 | 10,988,000 | 75,811,000 | 62,735,000 | — | — | — | — |
| Cash and Cash Equivalents, End of Year | 20,092,000 | 9,571,000 | 10,988,000 | 75,811,000 | — | — | — | — |
| Supplemental Cash Flows Information | ||||||||
| Interest paid | 23,751,000 | 21,912,000 | 8,585,000 | 2,552,000 | 4,516,000 | 8,958,000 | 8,241,000 | 5,156,000 |
| Income taxes paid (net of refunds) | 967,000 | 347,000 | 2,096,000 | 1,956,000 | 2,743,000 | 1,145,000 | 365,000 | 2,094,000 |
| Foreclosed assets acquired in settlement of loans | 206,000 | 3,000 | 31,000 | 120,000 | 321,000 | 230,000 | 6,359,000 | 179,000 |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.