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    Home Federal Bancorp Inc of Louisiana (HFBL)

    Financials

    Updated May 8, 2025, 4:24 AM UTC
    Income Statement - MetricQ3 2014FY 2014Q1 2015Q2 2015Q3 2015FY 2015Q1 2016Q2 2016Q3 2016FY 2016Q1 2017Q2 2017Q3 2017FY 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025Q2 2025Q3 2025
    Interest income: Loans, including fees (USD, thousands)7,2747,3977,2817,064.0029,0166,8956,7916,740
    Interest income: Investment securities (USD, thousands)150210124167.00651676383
    Interest income: Mortgage-backed securities (USD, thousands)473460451442.001,826443470493
    Interest income: Other interest-earning assets (USD, thousands)1771334147.00371336334109
    Total Interest Income (USD, thousands)8,0748,0807,8907,820.0031,8647,7417,6587,425
    Interest expense: Deposits (USD, thousands)2,5922,9013,1943,311.0011,9983,1972,9772,675
    Interest expense: Federal Home Loan Bank borrowings (USD, thousands)1578870.00180---
    Interest expense: Other bank borrowings (USD, thousands)183198205149.007351178176
    Total Interest Expense (USD, thousands)2,7903,1773,4863,460.0012,9133,3143,0582,751
    Net Interest Income (USD, thousands)5,2844,9034,4044,360.0018,9514,4274,6004,674
    Provision for (Recovery of) Credit Losses (USD, thousands)0(16)1145.0040(223)456
    Net Interest Income After Provision for Credit Losses (USD, thousands)5,2844,9194,3934,315.0018,9114,6504,5554,668
    Non-interest income: Gain on sale of loans (USD, thousands)38766982.0026596580
    Non-interest income: Loss on sale of real estate (USD, thousands)(34)(381)00.00(415)(254)(12)-
    Non-interest income: Gain(Loss) on sale of securities (USD, thousands)--26-26-(6)-
    Non-interest income: Gain on sale of fixed assets (USD, thousands)(34)(381)0-----
    Non-interest income: Income on Bank-Owned Life Insurance (USD, thousands)26282828.00110283029
    Non-interest income: Service charges on deposit accounts (USD, thousands)391397363373.001,524391392382
    Non-interest income: Other income (USD, thousands)13172024.0074397947
    Total Non-Interest Income (USD, thousands)434137506507.001,584300488538
    Non-interest expense: Compensation and benefits (USD, thousands)2,3562,3282,4532,387.009,5242,3022,2292,136
    Non-interest expense: Occupancy and equipment (USD, thousands)549544533576.002,202564537610
    Non-interest expense: Data processing (USD, thousands)245129139142.00655219336553
    Non-interest expense: Audit and examination fees (USD, thousands)1022718393.00549132191150
    Non-interest expense: Franchise and bank shares tax (USD, thousands)156164168168.006561681135
    Non-interest expense: Advertising (USD, thousands)143827758.00360574422
    Non-interest expense: Professional fees (USD, thousands)16018796114.00557117-145
    Non-interest expense: Legal fees (USD, thousands)------134-
    Non-interest expense: Loan and collection (USD, thousands)60323132.00155283046
    Non-interest expense: Amortization Core Deposit Intangible (USD, thousands)94857976.00334747270
    Non-interest expense: Deposit insurance premium (USD, thousands)9110890104.003939075102
    Non-interest expense: Other expenses (USD, thousands)232319242248.001,041260187282
    Total Non-Interest Expense (USD, thousands)4,1884,2493,9913,998.0016,4264,0113,8364,251
    Income Before Income Taxes (USD, thousands)1,530807908824.004,0699391,207955
    Provision for income tax expense (USD, thousands)310(196)176186.00476(2)187207
    NET INCOME (USD, thousands)1,2201,003732638.003,5939411,020748
    EARNINGS PER SHARE: Basic (USD)0.400.330.240.211.180.310.330.24
    EARNINGS PER SHARE: Diluted (USD)0.390.330.240.211.170.310.330.24
    Balance Sheet - MetricQ3 2014FY 2014Q1 2015Q2 2015Q3 2015FY 2015Q1 2016Q2 2016Q3 2016FY 2016Q1 2017Q2 2017Q3 2017FY 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025Q2 2025Q3 2025
    Cash and Cash Equivalents (USD, thousands)8,8788,6688,01934,94834,94841,04419,54030,439
    Securities Available-for-Sale (USD, thousands)40,40937,30929,82927,03727,03729,93429,60732,149
    Securities Held-to-Maturity (USD, thousands)72,80671,53368,70667,30267,30265,80064,43163,066
    Other Securities (USD, thousands)--1,5961,6141,6141,6331,651636
    Loans Held-for-Sale (USD, thousands)5891,8511,9041,7331,7332,268216999
    Loans Receivable, Net of Allowance for Credit Losses (USD, thousands)506,599501,761499,267470,852470,852454,039458,693458,301
    Accrued Interest Receivable (USD, thousands)1,9071,8831,9321,7751,7751,7611,7871,802
    Premises and Equipment, Net (USD, thousands)16,97817,60518,16118,30318,30318,06517,84417,567
    Bank Owned Life Insurance (USD, thousands)6,7256,7546,7826,8106,8106,8396,8686,897
    Goodwill (USD, thousands)2,9902,9902,9902,9902,9902,9902,9902,990
    Core Deposit Intangible (USD, thousands)1,4391,3541,2751,1991,1991,1251,053983
    Deferred Tax Asset (USD, thousands)1,4601,1731,2731,1811,1811,2101,5381,367
    Real Estate Owned (USD, thousands)561004184181220900
    Other Assets (USD, thousands)1,2611,3071,2921,3501,3501,5741,5451,528
    Total Assets (USD, thousands)662,602654,188643,026637,512637,512628,404607,763619,624
    Deposits: Non-interest bearing (USD, thousands)146,057136,217132,577130,334130,334133,293128,439129,799
    Deposits: Interest-bearing (USD, thousands)446,448447,472446,304443,673443,673431,267418,105426,964
    Total Deposits (USD, thousands)592,505583,689578,881574,007574,007564,560546,544556,763
    Advances from Borrowers for Taxes and Insurance (USD, thousands)715345416521521644269384
    Other Borrowings (USD, thousands)8,8509,6508,5007,0007,0005,5004,0004,000
    Other Accrued Expenses and Liabilities (USD, thousands)5,4592,5102,6793,1813,1813,4333,0173,758
    Total Liabilities (USD, thousands)612,129601,594590,476584,709584,709574,137553,830564,905
    Common Stock (USD, thousands)3131323232323232
    Additional Paid-in Capital (USD, thousands)41,05741,22441,32141,73941,73941,82242,01042,055
    Unearned ESOP Stock (USD, thousands)(495)(466)(437)(408)(408)(379)(350)(336)
    Retained Earnings (USD, thousands)13,34613,92714,25714,05514,05514,40514,86615,024
    Accumulated Other Comprehensive Loss (USD, thousands)(3,466)(2,122)(2,623)(2,615)(2,615)(1,613)(2,625)(2,056)
    Total Shareholders’ Equity (USD, thousands)50,47352,59452,55052,80352,80354,26753,93354,719
    TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY (USD, thousands)662,602654,188643,026637,512637,512628,404607,763619,624
    Cash Flow - MetricQ3 2014FY 2014Q1 2015Q2 2015Q3 2015FY 2015Q1 2016Q2 2016Q3 2016FY 2016Q1 2017Q2 2017Q3 2017FY 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025Q2 2025Q3 2025
    Net Income (USD, thousands)1,2201,003732638.003,5939411,020.00-
    Gain on Sale of Loans (USD, thousands)(38)(77)(69)(81.00)(265)(96)(5.00)-
    Net Amortization and Accretion on Securities (USD, thousands)107100(453)(12.00)(258)417(470.00)-
    Amortization of Deferred Loan Fees (USD, thousands)(33)(35)(27)(18.00)(113)(15)(10.00)-
    Recovery of Loan Losses (USD, thousands)-----(223)45.00-
    Provision for Loan Losses (USD, thousands)0(16)1145.0040---
    Depreciation of Premises and Equipment (USD, thousands)224253235232.00944206243.00-
    ESOP Compensation Expense (USD, thousands)81837970.003136975.00-
    Stock Option Expense (USD, thousands)2302323.006924142.00-
    Deferred Income Tax (Benefit) Expense (USD, thousands)(147)287(168)150.00122(295)(59.00)-
    Share Awards Expense (USD, thousands)2831590.00118---
    Increase in Cash Surrender Value on Bank Owned Life Insurance (USD, thousands)(26)(28)(28)(28.00)(110)(29)(29.00)-
    Bad Debt Recovery (USD, thousands)362(356)------
    Origination and Purchase of Loans Held-for-Sale (USD, thousands)(1,807)(4,485)(4,348)(7,072.00)(17,712)(6,152)40.00-
    Sale and Principal Repayments on Loans Held-for-Sale (USD, thousands)1,2223,2234,4797,324.0016,2485,7132,017.00-
    Net Cash Provided by (Used in) Operating Activities (USD, thousands)2,445(2,635)6501,858.002,3188712,590.00-
    Loan Originations and Principal Collections, Net (USD, thousands)(17,659)4,7973,15228,060.0018,35017,122(4,628.00)-
    Deferred Loan Fees Collected (USD, thousands)1621110.0048418.00-
    Acquisition of Premises and Equipment (USD, thousands)(656)(864)(792)(374.00)(2,686)(12)(6.00)-
    Proceeds from Sale of Real Estate (USD, thousands)--------
    Changes in Federal Home Loan Bank Stock (USD, thousands)----(70)(19)(18.00)-
    Principal Payments on Securities (Available-for-Sale) (USD, thousands)9524,9053,5312,760.0012,1481,9771,559.00-
    Principal Payments on Mortgage-Backed Securities (Held-to-Maturity) (USD, thousands)1,6311,2841,2421,397.005,5541,4951,362.00-
    Net Cash Provided by (Used in) Investing Activities (USD, thousands)(18,145)10,32110,48231,826.0034,48416,621(3,644.00)-
    Net (Decrease) Increase in Deposits (USD, thousands)(4,856)(8,817)(4,807)(4,874.00)(23,354)(9,447)(18,016.00)-
    Repayments of Advances from Federal Home Loan Bank (USD, thousands)(72,500)(335,000)(385,200)(1.00)(792,701)---
    Dividends Paid (USD, thousands)(392)(392)(393)(392.00)(1,569)(409)(407.00)-
    Company Stock Purchased (USD, thousands)0(30)(9)(448.00)(487)(182)(152.00)-
    Net Increase (Decrease) in Advances from Borrowers for Taxes and Insurance (USD, thousands)161(370)71105.00(33)123(375.00)-
    Proceeds from Other Bank Borrowings (USD, thousands)3008001,6000.002,700---
    Repayments of Other Bank Borrowings (USD, thousands)----(4,250)(1,500)(1,500.00)-
    Proceeds from Stock Options Exercised (USD, thousands)0020354.00374190.00-
    Plan Share Distributions (USD, thousands)----123---
    Net Cash (Used in) Provided by Financing Activities (USD, thousands)(187)(7,896)(11,781)(6,755.00)(26,619)(11,396)(20,450.00)-
    NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (USD, thousands)(15,887)(210)(649)26,929.0010,1836,096(21,504.00)-
    Interest Paid on Deposits and Borrowed Funds (USD, thousands)2,7723,1963,4113,534.0012,9133,2913,089.00-
    Income Taxes Paid (USD, thousands)----680---
    Market Value Adjustment for (Loss) Gain on Securities Available-for-Sale (USD, thousands)(812)1,545(668)(16.00)49(1,268)1,255.00-
    Accrued Interest Receivable (USD, thousands)(117)(93)(142)151514(12)-
    Other Operating Assets (USD, thousands)1631161327474(224)(195)-
    Other Operating Liabilities (USD, thousands)1,551(1,398)(1,229)(727)(727)252(165)-
    CASH AND CASH EQUIVALENTS - BEGINNING OF PERIOD (USD, thousands)24,76524,76524,76524,76524,76534,94834,948-
    CASH AND CASH EQUIVALENTS - END OF PERIOD (USD, thousands)8,8788,6688,01934,94834,94841,04419,540-
    KPIs - Metric (Unit, Scale)Q3 2014FY 2014Q1 2015Q2 2015Q3 2015FY 2015Q1 2016Q2 2016Q3 2016FY 2016Q1 2017Q2 2017Q3 2017FY 2017Q1 2018Q2 2018Q3 2018FY 2018Q1 2019Q2 2019Q3 2019FY 2019Q1 2020Q2 2020Q3 2020FY 2020Q1 2021Q2 2021Q3 2021FY 2021Q1 2022Q2 2022Q3 2022Q4 2022FY 2022Q1 2023Q2 2023Q3 2023Q4 2023FY 2023Q1 2024Q2 2024Q3 2024Q4 2024FY 2024Q1 2025Q2 2025Q3 2025
    Number of non-performing one-to-four family residential loans (count)566-555-
    Number of non-performing home equity loans (count)234-445-
    Number of non-performing commercial non-real estate loans (count)6116-322-
    Number of non-performing commercial real estate loans (count)-----12-
    Number of single-family residences in other real estate owned (count)331-31--
    Number of substandard one-to-four family residential loans (count)777-668-
    Number of substandard home equity loans (count)244-44--
    Number of substandard commercial non-real-estate loans (count)7127-555-
    Number of substandard commercial real estate loans (count)-----12-
    Number of substandard consumer loans (count)311-1-1-
    Net interest margin (percentage)3.373.26 , 3.142.89 , 3.14-3.08-3.12 , 3.06-
    Average interest rate spread (percentage)2.682.322.16-2.382.232.40-
    Common equity tier 1 ratio (percentage)12.7613.0912.97-13.2913.1913.23-
    Tier 1 capital ratio (percentage)12.7613.0912.97-13.2913.1913.23-
    Total capital ratio (percentage)13.8714.1914.05-14.3514.2914.37-
    Leverage ratio (percentage)8.919.159.05-8.999.028.94-
    Tangible capital ratio (percentage)8.919.159.05-8.999.028.94-