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Income Statement
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Balance Sheet
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Income Overview
Net Income
$1,328K
EPS
$0.41
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-12-31
2025-09-30
2025-06-30
2025-03-31
Interest and fees on loans
9,026
9,485
9,596*
9,214
Taxable
1,316
1,344
1,288*
1,245
Tax-exempt
13
13
25*
20
Federal home loan bank dividends
110
123
112*
117
Deposits with other financial institutions
70
127
61*
49
Total interest and dividend income
10,535
11,092
11,081*
10,645
Deposits
3,918
4,098
4,258*
4,319
Federal home loan bank advances and repurchase agreements
644
810
1,022*
1,093
Line of credit and other borrowings
2
1
55*
9
Total interest expense
4,564
4,909
5,334*
5,421
Net interest income
5,971
6,183
5,747*
5,224
Provision (credit) for credit losses
34
-42
-881*
-262
Net interest income after provision (credit) for credit losses
5,937
6,225
6,628*
5,486
Noninterest income-Deposit Account
148
132
130*
-
Noninterest income-Financial Service Other
76
75
64*
-
Insurance commissions
208
187
146*
297
Brokerage commissions
203
198
189*
176
Net realized losss (gaines) on sales of available-for-sale securities
0
-114
142*
-
Mortgage banking income, net
89
86
148*
58
Gain on sale of loans
152
116
67*
55
Noninterest income
-
-
-
173
Bank-owned life insurance income, net
118
118
116*
113
Other
366
344
67*
304
Total noninterest income
1,360
1,142
1,068*
1,176
Compensation and benefits
3,135
3,380
3,426*
3,447
Office occupancy
263
286
240*
275
Equipment
560
603
579*
560
Federal deposit insurance
88
89
101*
118
Stationary, printing and office
30
25
23*
28
Advertising
96
112
82*
99
Professional services
673
146
150*
111
Supervisory examination
29
9
37*
27
Audit and accounting services
20
90
23*
19
Organizational dues and subscriptions
6
22
-13*
24
Insurance bond premiums
69
66
69*
59
Telephone and postage
38
48
40*
40
Loss on foreclosed assets, net
-8
-97
2*
-
Other
460
490
389*
464
Total noninterest expense
5,475
5,463
5,142*
5,271
Income before income tax
1,822
1,904
2,554*
1,391
Provision for income tax
494
512
716*
380
Net income
1,328
1,392
1,838
1,011
Basic EPS
0.41
0.43
0.612
0.31
Diluted EPS
0.41
0.43
0.612
0.31
Basic Average Shares
3,243,273
3,238,462
3,003,519
3,228,839
Diluted Average Shares
3,243,273
3,238,462
3,003,519
3,228,839
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$9,026K
Taxable
$1,316K
Federal home loan bank
dividends
$110K
Deposits with other
financial institutions
$70K
Tax-exempt
$13K
Total interest and
dividend income
$10,535K
Net interest income
$5,971K
Other
$366K
Insurance commissions
$208K
Brokerage commissions
$203K
Gain on sale of loans
$152K
Noninterest income-Deposit
Account
$148K
Bank-owned life insurance
income, net
$118K
Mortgage banking income,
net
$89K
Noninterest
income-Financial Service Other
$76K
Total interest
expense
$4,564K
Net interest income
after provision...
$5,937K
Total noninterest
income
$1,360K
Provision (credit) for
credit losses
$34K
Deposits
$3,918K
Federal home loan bank
advances and repurchase...
$644K
Line of credit and
other borrowings
$2K
Income before income
tax
$1,822K
Total noninterest
expense
$5,475K
Net income
$1,328K
Provision for income tax
$494K
Compensation and benefits
$3,135K
Professional services
$673K
Equipment
$560K
Other
$460K
Office occupancy
$263K
Advertising
$96K
Federal deposit
insurance
$88K
Insurance bond premiums
$69K
Telephone and postage
$38K
Stationary, printing and
office
$30K
Supervisory examination
$29K
Audit and accounting
services
$20K
Loss on foreclosed
assets, net
-$8K
Organizational dues and
subscriptions
$6K
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IF Bancorp, Inc. (IROQ)
IF Bancorp, Inc. (IROQ)