For the quarter ending 2025-12-31, HFBL made $15,188,000 in revenue. $1,675,000 in net income. Net profit margin of 11.03%.
| Income Statement | 2025-12-31 | 2025-09-30 | 2025-06-30 | |
|---|---|---|---|---|
| Loans, including fees | 7,339,000 | 7,271,000 | 6,836,500 | |
| Investment securities | 9,000 | 13,000 | 81,250 | |
| Mortgage-backed securities | 552,000 | 542,000 | 485,250 | |
| Other interest-earning assets | 163,000 | 184,000 | 212,500 | |
| Total interest income | 8,063,000 | 8,010,000 | 7,615,500 | |
| Deposits | 2,613,000 | 2,673,000 | 2,860,250 | |
| Federal home loan bank borrowings | - | - | 0 | |
| Other bank borrowings | 73,000 | 76,000 | 87,500 | |
| Total interest expense | 2,686,000 | 2,749,000 | 2,947,750 | |
| Net interest income | 5,377,000 | 5,261,000 | 4,667,750 | |
| Provision for (recovery of) credit losses | 109,000 | 43,000 | -31,500 | |
| Net interest income after provision for credit losses | 5,268,000 | 5,218,000 | 4,699,250 | |
| Loss on sale of real estate | -8,000 | - | -66,250 | |
| Gain on sale of loans | 130,000 | 146,000 | 96,000 | |
| Loss on sale of real estate | - | 0 | -1,500 | |
| Income on bank-owned life insurance | 30,000 | 28,000 | 29,000 | |
| Service charges on deposit accounts | 436,000 | 423,000 | 392,000 | |
| Other income | 50,000 | 53,000 | 52,000 | |
| Total non-interest income | 638,000 | 650,000 | 501,250 | |
| Compensation and benefits | 2,101,000 | 2,150,000 | 2,235,000 | |
| Occupancy and equipment | 558,000 | 568,000 | 588,500 | |
| Data processing | 318,000 | 336,000 | 359,750 | |
| Audit and examination fees | 110,000 | 69,000 | 149,250 | |
| Franchise and bank shares tax | 54,000 | 135,000 | 109,750 | |
| Advertising | 24,000 | 29,000 | 36,250 | |
| Professional fees | 150,000 | 85,000 | 123,750 | |
| Loan and collection | 35,000 | 42,000 | 33,500 | |
| Amortization core deposit intangible | 64,000 | 67,000 | 71,000 | |
| Deposit insurance premium | 84,000 | 93,000 | 86,750 | |
| Other expenses | 295,000 | 277,000 | 243,500 | |
| Total non-interest expense | 3,793,000 | 3,851,000 | 4,037,000 | |
| Income before income taxes | 2,113,000 | 2,017,000 | 1,163,500 | |
| Provision for income tax expense | 438,000 | 418,000 | 191,500 | |
| Net income | 1,675,000 | 1,599,000 | 972,000 | |
| Weighted average number of common shares and dilutive potential common shares used in dilutive eps (in shares) | - | - | 769,591.75 | |
| Basic (in dollars per share) | 0.55 | 0.53 | 0.318 | |
| Diluted (in dollars per share) | 0.54 | 0.52 | 0.315 | |
| Weighted average shares outstanding (in shares) | 3,023,000 | 3,008,000 | 763,563.5 | |
Home Federal Bancorp, Inc. of Louisiana (HFBL)
Home Federal Bancorp, Inc. of Louisiana (HFBL)