| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 1,392 |
| Depreciation | 159 |
| Provision (credit) for credit losses on loans | -42 |
| Accretion of premiums and discounts on securities | 66 |
| Deferred income taxes | 36 |
| Net realized gains on loan sales | 116 |
| Net realized losses on sales of available-for-sale securities | -114 |
| Loss on sale of foreclosed assets, net | -97 |
| Nontaxable bank-owned life insurance income, net | 118 |
| Originations of loans held for sale | 5,702 |
| Proceeds from sales of loans held for sale | 5,463 |
| Esop compensation expense | 121 |
| Stock equity plan expense | 46 |
| Accrued interest receivable | 148 |
| Other assets | 44 |
| Accrued interest payable | -49 |
| Post-retirement benefit obligation | 4 |
| Other liabilities | -1,686 |
| Net cash provided by (used in) operating activities | -539 |
| Purchases of available-for-sale securities | 5,312 |
| Proceeds from the sales of available-for-sale securities | 2,016 |
| Proceeds from maturities and pay-downs of available-for-sale securities | 3,688 |
| Net change in loans | -14,717 |
| Purchase of premises and equipment | 43 |
| Proceeds from the sale of foreclosed assets | 28 |
| Purchase of federal home loan bank stock | 0 |
| Redemption of federal home loan bank stock | 330 |
| Net cash provided by (used in) investing activities | 15,424 |
| Net decrease in demand deposits, money market, now and savings accounts | -46,386 |
| Net increase (decrease) in certificates of deposit, including brokered certificates | 5,392 |
| Net decrease in advances from borrowers for taxes and insurance | -291 |
| Proceeds from federal home loan bank advances | 68,500 |
| Repayments of federal home loan bank advances | 53,500 |
| Proceeds from other borrowings | 1,750 |
| Repayments of other borrowings | 1,750 |
| Net increase (decrease) in repurchase agreements | -665 |
| Net cash provided by (used in) financing activities | -26,950 |
| Net decrease in cash and cash equivalents | -12,065 |
| Cash and cash equivalents at beginning of period | 20,092 |
| Cash and cash equivalents at end of period | 8,027 |
IF Bancorp, Inc. (IROQ)
IF Bancorp, Inc. (IROQ)