For the quarter ending 2025-12-31, HFBL had -$7,224K decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | 1,675 | 1,599 | 3,888 |
| Gain on sale of loans | 130 | 146 | 384 |
| Loss on sale of loans | - | - | -6 |
| Loss on sale of investments | 0 | - | - |
| Net amortization and accretion on securities | 85 | 81 | 189 |
| Amortization of deferred loan fees | 24 | 13 | 71 |
| Amortization of purchased loans | -44 | -66 | -263 |
| Provision for (recovery of) loan losses | 109 | 43 | -126 |
| Depreciation of premises and equipment | 256 | 266 | 1,083 |
| Loss on sales of real estate | -8 | 0 | -265 |
| Esop compensation expense | 47 | 40 | 218 |
| Stock option expense | 18 | 23 | 94 |
| Deferred income tax expense (benefit) | 20 | 14 | -163 |
| Share awards expense | 105 | - | 112 |
| Increase in cash surrender value on bank owned life insurance | 30 | 28 | 116 |
| Amortization core deposit intangible | 64 | 67 | 284 |
| Origination of loans held-for-sale | - | - | 18,119 |
| Origination and purchase of loans held-for-sale | 7,125 | 6,399 | - |
| Sale and principal repayments on loans held-for-sale | 7,710 | 6,769 | 18,696 |
| Accrued interest receivable | 19 | 18 | 61 |
| Other operating assets | 66 | -96 | -45 |
| Other operating liabilities | 366 | 610 | 273 |
| Net cash provided by operating activities | 2,855 | 2,776 | 5,472 |
| Loan originations and purchases, net | 7,378 | 4,117 | -9,268 |
| Deferred loan fees collected | 40 | 2 | 78 |
| Acquisition of premises and equipment | 0 | 8 | 46 |
| Proceeds from sale of premises and equipment | 0 | 0 | - |
| Proceeds from sale of real estate | -110 | -996 | -262 |
| Improvements to real estate owned prior to disposition | 24 | 10 | 117 |
| Changes in federal home loan bank stock | 0 | 4 | -964 |
| Principal payments on securities | 1,338 | 1,891 | 5,900 |
| Purchase of mortgage-backed securities | 2,161 | 4,386 | 12,695 |
| Proceeds from sales of mortgage-backed securities | 0 | - | 157 |
| Proceeds from sales of us treasury notes | 0 | - | 494 |
| Principal payments on mortgage-backed securities | 1,544 | 1,534 | 5,948 |
| Net cash (used in) provided by investing activities | -6,531 | -4,102 | 10,213 |
| Net increase (decrease) in deposits | -2,311 | 10,898 | -27,717 |
| Proceeds from advances from federal home loan bank | - | - | 0 |
| Repayments of advances from federal home loan bank | - | - | 0 |
| Dividends paid | 418 | 415 | 1,629 |
| Company stock purchased | 1,991 | 279 | 1,073 |
| Net decrease in advances from borrowers for taxes and insurance | -394 | 244 | 22 |
| Proceeds from other bank borrowings | - | - | 0 |
| Repayments of other bank borrowings | 0 | 0 | 3,000 |
| Proceeds from stock options exercised | 1,566 | 23 | 111 |
| Net cash provided by (used in) financing activities | -3,548 | 10,471 | -33,286 |
| Net increase (decrease) in cash and cash equivalents | -7,224 | 9,145 | -17,601 |
| Cash and cash equivalents at beginning of period | 26,492 | 17,347 | 34,948 |
| Cash and cash equivalents at end of period | 19,268 | 26,492 | 17,347 |
Home Federal Bancorp, Inc. of Louisiana (HFBL)
Home Federal Bancorp, Inc. of Louisiana (HFBL)