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Cash Flow Overview

Change in Cash
$764K
Free Cash flow
$1,735K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from federal home loan ...
    • Net change in loans
    • Proceeds from other borrowings
    • Others
Negative Cash Flow Breakdown
    • Repayments of federal home loan ...
    • Repayments of other borrowings
    • Net decrease in demand deposits,...
    • Others
Cash Flow
2025-12-31
2025-09-30
2025-06-30
Net income
1,328
1,392
4,304
Depreciation
147
159
621
Provision (credit) for credit losses
34
-42
-701
Net amortization (accretion) of premiums and discounts on securities
58
66
179
Deferred income taxes
-3
36
114
Net realized gains on loan sales
152
116
295
Net realized losses on sales of available-for-sale securities
0
-114
-71
Loss on foreclosed assets held for sale
-8
-97
8
Nontaxable bank-owned life insurance income, net
-
118
456
Bank-owned life insurance income, net
236
-
-
Originations of loans held for sale
7,374
5,702
15,284
Proceeds from sales of loans held for sale
7,879
5,463
15,641
Esop compensation expense
125
121
421
Stock equity plan expense
47
46
187
Accrued interest receivable
40
148
88
Other assets
-36
44
-1,307
Accrued interest payable
261
-49
-1,148
Post-retirement benefit obligation
3
4
9
Other liabilities
-321
-1,686
2,245
Net cash provided by operating activities
1,802
-539
6,761
Net change in interest bearing time deposits
-
-
0
Purchases of available-for-sale securities
0
5,312
18,342
Proceeds from sales of available-for-sale securities
0
2,016
4,665
Proceeds from maturities and pay-downs of available-for-sale securities
6,975
3,688
22,419
Net change in loans
-26,613
-14,717
-6,189
Purchase of premises and equipment
67
43
242
Proceeds from sale of foreclosed assets
32
28
0
Proceeds from the sale of foreclosed assets
-
-
49
Purchase of federal home loan bank stock
0
0
1,466
Redemption of federal home loan bank stock
123
330
791
Proceeds from settlement of bank-owned life insurance death claim
-
-
0
Net cash provided by (used in) investing activities
33,676
15,424
14,063
Net decrease in demand deposits, money market, now and savings accounts
-20,734
-46,386
629
Net (decrease) increase in certificates of deposit, including brokered certificates
-9,969
5,392
-6,548
Net decrease in advances from borrowers for taxes and insurance
281
-291
4
Proceeds from other borrowings
24,500
1,750
114,700
Repayments of other borrowings
24,500
1,750
139,950
Proceeds from federal home loan bank advances
74,000
68,500
563,125
Repayments of federal home loan bank advances
76,500
53,500
542,000
Net increase (decrease) in repurchase agreements
-1,145
-665
1,023
Dividends paid
647
-
1,286
Net cash used in financing activities
-34,714
-26,950
-10,303
Net decrease in cash and cash equivalents
764
-12,065
10,521
Cash and cash equivalents at beginning of period
8,027
20,092
-
Cash and cash equivalents at end of period
8,791
8,027
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net change in loans-$26,613K Proceeds from maturitiesand pay-downs of...$6,975K Redemption of federal homeloan bank stock$123K Proceeds from sales ofloans held for sale$7,879K Proceeds from sale offoreclosed assets$32K Net income$1,328K Accrued interestpayable$261K Depreciation$147K Esop compensationexpense$125K something is missing$118K Stock equity planexpense$47K Other assets-$36K Provision (credit) forcredit losses$34K Loss on foreclosedassets held for sale-$8K Post-retirement benefitobligation$3K Net cash provided by(used in) investing...$33,676K Net cash provided byoperating activities$1,802K Canceled cashflow$67K Canceled cashflow$8,184K Net decrease in cashand cash...$764K Canceled cashflow$34,714K Purchase of premises andequipment$67K Proceeds from federalhome loan bank...$74,000K Proceeds from otherborrowings$24,500K Net decrease inadvances from borrowers...$281K Originations of loans held forsale$7,374K Other liabilities-$321K Bank-owned life insuranceincome, net$236K Net realized gainson loan sales$152K Net amortization(accretion) of premiums and...$58K Accrued interestreceivable$40K Deferred income taxes-$3K Net cash used infinancing activities-$34,714K Canceled cashflow$98,781K Repayments of federal homeloan bank advances$76,500K Repayments of otherborrowings$24,500K Net decrease indemand deposits, money...-$20,734K Net (decrease)increase in certificates...-$9,969K Net increase(decrease) in repurchase...-$1,145K Dividends paid$647K

IF Bancorp, Inc. (IROQ)

IF Bancorp, Inc. (IROQ)