| Cash Flow | 2025-06-30 |
|---|---|
| Provision (recovery of) credit losses | -126 |
| (loss) gain on sale of loans | -384 |
| Net income | 3,888 |
| Loss on sale of loans | 6 |
| Net amortization and accretion on securities | -189 |
| Amortization of deferred loan fees | -71 |
| Amortization of purchased loans | -263 |
| Depreciation of premises and equipment | 1,083 |
| Loss on sale of real estate and fixed assets | 265 |
| Esop compensation expense | 218 |
| Stock option expense | 94 |
| Deferred income tax (benefit) expense | -163 |
| Share awards expense | 112 |
| Increase in cash surrender value on bank owned life insurance | -116 |
| Amortization core deposit intangible | 284 |
| Origination of loans held-for-sale | -18,119 |
| Sale and principal repayments on loans held-for-sale | 18,696 |
| Accrued interest receivable | -61 |
| Other operating assets | 45 |
| Other operating liabilities | 273 |
| Net cash provided by operating activities | 5,472 |
| Loan originations and purchases, net | 9,268 |
| Deferred loan fees collected | 78 |
| Acquisition of premises and equipment | -46 |
| Proceeds from sale of real estate | 262 |
| Improvements to real estate owned prior to disposition | -117 |
| Changes in fhlb stock | 964 |
| Principal payments on securities | 5,900 |
| Purchase of mortgage-backed securities | -12,695 |
| Proceeds from sales of mortgage-backed securities | 157 |
| Proceeds from sales of us treasury notes | 494 |
| Principal payments on mortgage-backed securities | 5,948 |
| Net cash provided by investing activities | 10,213 |
| Net decrease in deposits | -27,717 |
| Proceeds from advances from federal home loan bank | - |
| Repayments of advances from federal home loan bank | - |
| Dividends paid | -1,629 |
| Company stock purchased | -1,073 |
| Net increase (decrease) in advances from borrowers for taxes and insurance | 22 |
| Proceeds from other bank borrowings | - |
| Repayment of other bank borrowings | -3,000 |
| Proceeds from stock options exercised | 111 |
| Net cash used in financing activities | -33,286 |
| Net increase (decrease) in cash and cash equivalents | -17,601 |
| Cash and cash equivalents at beginning of period | 34,948 |
| Cash and cash equivalents at end of period | 17,347 |
Home Federal Bancorp, Inc. of Louisiana (HFBL)
Home Federal Bancorp, Inc. of Louisiana (HFBL)