Capitol Federal Financial, Inc(NASDAQ:CFFN) 
Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-beari...
Website: http://capfed.com
Full Time Employees: 668
Sector: Financial Services
Industry: Banks-Regional
• Market Cap:
• Exchange:
• Shs Outstanding:
• Employees:
• Beta:
• Return on Equity (ROE) ttm:
• Return on Assets (ROA) ttm:
• EPS ttm:
• Book value per Share:
• Cash per Share:
• Current ast per Share:
• P/E ttm:
• P/E forward:
• P/E ttm high:
• P/E ttm low:
• P/S ttm:
• P/B ttm:
• P/FCF ttm:
• PEG ratio:
• Cash Ratio ttm:
• Quick Ratio ttm:
• Current Ratio ttm:
• Gross Mgn ttm:
• EBITDA Mgn ttm:
• Operating Mgn ttm:
• Net Income Mgn ttm:
• Trailing Div yield:
• Forward Div yield:
• Payout Ratio ttm:
• Ex-Dividend date:
• Target Price High:
• Target Price Low:
• Target Price Mean:
• Number of Analysts:
• Debt Ratio ttm:
• Debt to Equity ttm:
• Total Net Debt:
At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2010-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
interest and dividend income: | ||||||||||||||||||||||||||||
loans receivable | 89,792,000 | 87,343,000 | 82,914,000 | 80,867,000 | 81,394,000 | 79,841,000 | 76,803,000 | 76,122,000 | 75,941,000 | 74,031,000 | 71,918,000 | 69,319,000 | 64,819,000 | 60,445,000 | 56,886,000 | 55,412,000 | 55,788,000 | 54,779,000 | 57,285,000 | 60,694,000 | 64,315,000 | 66,652,000 | 69,613,000 | 69,914,000 | 70,366,000 | 71,434,000 | 71,657,000 | |
mortgage-backed securities | 11,341,000 | 11,808,000 | 12,163,000 | 11,264,000 | 11,024,000 | 10,412,000 | 9,585,000 | 7,794,000 | 5,859,000 | 4,399,000 | 4,562,000 | 4,748,000 | 4,811,000 | 4,912,000 | 5,048,000 | 4,821,000 | 4,625,000 | 5,360,000 | 5,429,000 | 5,710,000 | 5,425,000 | 5,616,000 | 5,866,000 | 6,102,000 | 6,293,000 | 6,613,000 | 6,301,000 | |
cash and cash equivalents | 2,773,000 | 2,148,000 | 1,620,000 | 2,729,000 | 1,871,000 | 2,562,000 | 3,875,000 | 4,513,000 | 4,778,000 | 6,139,000 | 10,009,000 | 10,977,000 | 16,671,000 | 13,373,000 | 3,968,000 | 949,000 | 14,000 | 26,000 | 40,000 | 51,000 | 55,000 | 59,000 | 380,000 | 687,000 | 2,885,000 | 464,000 | 743,000 | |
fhlb stock | 2,032,000 | 2,163,000 | 2,197,000 | 2,285,000 | 2,352,000 | 2,418,000 | 2,477,000 | 2,528,000 | 2,586,000 | 2,796,000 | 3,260,000 | 3,607,000 | 4,158,000 | 3,865,000 | 2,695,000 | 2,240,000 | 1,231,000 | 944,000 | 951,000 | 1,069,000 | 1,080,000 | 1,207,000 | 1,714,000 | 1,826,000 | 2,156,000 | 1,865,000 | 1,831,000 | |
investment securities | 51,000 | 582,000 | 784,000 | 1,030,000 | 981,000 | 1,634,000 | 2,255,000 | 2,332,000 | 2,528,000 | 894,000 | 895,000 | 895,000 | 881,000 | 845,000 | 815,000 | 800,000 | 808,000 | 763,000 | 629,000 | 683,000 | 731,000 | 847,000 | 1,382,000 | 1,507,000 | 1,585,000 | 1,835,000 | 1,505,000 | |
total interest and dividend income | 105,989,000 | 104,044,000 | 99,678,000 | 98,175,000 | 97,622,000 | 96,867,000 | 94,995,000 | 93,289,000 | 91,692,000 | 88,259,000 | 90,644,000 | 89,546,000 | 91,340,000 | 83,440,000 | 69,412,000 | 64,222,000 | 62,466,000 | 61,872,000 | 64,334,000 | 68,207,000 | 71,606,000 | 74,381,000 | 78,955,000 | 80,036,000 | 83,285,000 | 82,211,000 | 82,037,000 | |
interest expense: | ||||||||||||||||||||||||||||
deposits | 37,500,000 | 37,204,000 | 35,860,000 | 35,853,000 | 37,345,000 | 37,458,000 | 36,233,000 | 33,415,000 | 32,443,000 | 29,778,000 | 24,445,000 | 16,140,000 | 11,904,000 | 9,013,000 | 7,787,000 | 8,389,000 | 9,267,000 | 11,475,000 | 12,529,000 | 14,067,000 | 15,299,000 | 16,533,000 | 17,804,000 | 17,962,000 | 17,471,000 | 16,909,000 | 16,096,000 | |
borrowings | 17,172,000 | 18,057,000 | 18,360,000 | 18,482,000 | 18,047,000 | 18,585,000 | 18,438,000 | 18,554,000 | 19,656,000 | 27,746,000 | 31,449,000 | 31,447,000 | 33,608,000 | 24,529,000 | 11,644,000 | 8,732,000 | 7,585,000 | 7,826,000 | 8,732,000 | 10,327,000 | 10,624,000 | 11,561,000 | 12,483,000 | 13,377,000 | ||||
total interest expense | 54,672,000 | 55,261,000 | 54,220,000 | 54,335,000 | 55,392,000 | 56,043,000 | 54,671,000 | 51,969,000 | 52,099,000 | 57,524,000 | 55,894,000 | 47,587,000 | 45,512,000 | 33,542,000 | 19,431,000 | 17,121,000 | 16,852,000 | 19,301,000 | 21,261,000 | 24,394,000 | 25,923,000 | 28,094,000 | 30,287,000 | 31,339,000 | 33,474,000 | 30,530,000 | 29,440,000 | |
net interest income | 51,317,000 | 48,783,000 | 45,458,000 | 43,840,000 | 42,230,000 | 40,824,000 | 40,324,000 | 41,320,000 | 39,593,000 | 30,735,000 | 34,750,000 | 41,959,000 | 45,828,000 | 49,898,000 | 49,981,000 | 47,101,000 | 45,614,000 | 42,571,000 | 43,073,000 | 43,813,000 | 45,683,000 | 46,287,000 | 48,668,000 | 48,697,000 | 49,811,000 | 51,681,000 | 52,597,000 | |
provision for credit losses | 1,106,000 | 519,000 | -451,000 | 677,000 | -637,000 | 1,472,000 | 301,000 | 123,000 | 963,000 | 1,324,000 | 891,000 | 3,660,000 | -3,439,000 | -2,964,000 | -1,532,000 | 22,075,000 | 225,000 | 300,000 | 450,000 | |||||||||
net interest income after | ||||||||||||||||||||||||||||
non-interest income: | ||||||||||||||||||||||||||||
deposit service fees | 2,872,000 | 2,873,000 | 2,867,000 | 2,596,000 | 2,707,000 | 2,830,000 | 2,706,000 | 2,451,000 | 2,575,000 | 2,758,000 | 3,404,000 | 3,122,000 | 3,461,000 | 3,467,000 | 3,601,000 | 3,300,000 | 3,430,000 | 3,227,000 | 2,814,000 | 2,947,000 | 2,901,000 | 2,539,000 | 2,783,000 | 3,062,000 | 3,159,000 | 3,131,000 | 3,091,000 | |
insurance commissions | 789,000 | 1,018,000 | 884,000 | 927,000 | 776,000 | 754,000 | 905,000 | 735,000 | 863,000 | 927,000 | 888,000 | 877,000 | 795,000 | 905,000 | 788,000 | 543,000 | 711,000 | 723,000 | 888,000 | 638,000 | 725,000 | 671,000 | 400,000 | 691,000 | ||||
other non-interest income | 1,818,000 | 1,900,000 | 1,537,000 | 1,430,000 | 1,210,000 | 1,202,000 | 1,098,000 | 1,457,000 | 1,013,000 | 1,233,000 | 1,522,000 | 1,084,000 | 1,096,000 | 1,421,000 | 1,726,000 | 1,573,000 | 1,365,000 | 1,286,000 | 1,389,000 | 1,485,000 | 1,359,000 | 1,229,000 | 1,488,000 | 1,751,000 | 2,080,000 | 1,953,000 | 1,323,000 | |
total non-interest income | 5,479,000 | 5,791,000 | 5,288,000 | 4,953,000 | 4,693,000 | 4,786,000 | 4,709,000 | 4,643,000 | -8,894,000 | -187,704,000 | 5,814,000 | 5,083,000 | 5,352,000 | 5,793,000 | 6,115,000 | 5,416,000 | 5,506,000 | 5,236,000 | 12,477,000 | 5,070,000 | 4,985,000 | 4,439,000 | 4,671,000 | 5,504,000 | 5,859,000 | 5,674,000 | 5,001,000 | |
non-interest expense: | ||||||||||||||||||||||||||||
salaries and employee benefits | 15,747,000 | 15,936,000 | 15,277,000 | 14,938,000 | 14,232,000 | 13,086,000 | 13,307,000 | 12,887,000 | 12,992,000 | 11,804,000 | 13,200,000 | 12,789,000 | 13,698,000 | 14,268,000 | 14,581,000 | 14,023,000 | 13,728,000 | 13,867,000 | 13,397,000 | 14,138,000 | 13,231,000 | 13,059,000 | 13,235,000 | 13,471,000 | 13,940,000 | 13,454,000 | 12,789,000 | |
information technology and related expense | 5,134,000 | 5,053,000 | 5,163,000 | 4,924,000 | 4,550,000 | 4,637,000 | 5,364,000 | 4,954,000 | 5,369,000 | 6,448,000 | 6,118,000 | 5,789,000 | 5,070,000 | 5,043,000 | 4,343,000 | 4,493,000 | 4,432,000 | 4,736,000 | 4,599,000 | 4,233,000 | 4,280,000 | 4,285,000 | 4,268,000 | 4,141,000 | 4,080,000 | 4,652,000 | 4,284,000 | |
occupancy | 3,450,000 | 3,292,000 | 3,270,000 | 3,502,000 | 3,333,000 | 3,442,000 | 3,263,000 | 3,481,000 | 3,372,000 | 3,638,000 | 3,556,000 | 3,568,000 | 3,474,000 | 3,777,000 | 3,721,000 | 3,493,000 | 3,379,000 | 3,504,000 | 3,523,000 | 3,379,000 | 3,658,000 | 3,556,000 | 3,449,000 | 3,207,000 | 3,264,000 | 3,224,000 | 3,292,000 | |
regulatory and outside services | 1,789,000 | 1,590,000 | 1,261,000 | 1,469,000 | 1,113,000 | 1,398,000 | 1,322,000 | 1,380,000 | 1,643,000 | 1,765,000 | 1,436,000 | 1,305,000 | 1,533,000 | 1,980,000 | 1,572,000 | 1,272,000 | 1,368,000 | 1,469,000 | 1,234,000 | 1,585,000 | 1,574,000 | 1,548,000 | 1,297,000 | 1,343,000 | 1,566,000 | 1,425,000 | 1,056,000 | |
federal insurance premium | 1,111,000 | 1,114,000 | 1,072,000 | 1,095,000 | 1,038,000 | 1,113,000 | 1,352,000 | 1,727,000 | 1,860,000 | 1,167,000 | 1,231,000 | 1,246,000 | 812,000 | 820,000 | 784,000 | 777,000 | 639,000 | 633,000 | 634,000 | 621,000 | 627,000 | 287,000 | -615,000 | 600,000 | 659,000 | |||
advertising and promotional | 1,056,000 | 1,915,000 | 1,453,000 | 760,000 | 822,000 | 1,054,000 | 951,000 | 1,271,000 | 988,000 | 692,000 | 1,447,000 | 1,333,000 | 833,000 | 1,552,000 | 1,068,000 | 1,494,000 | 1,064,000 | 1,407,000 | 1,484,000 | 838,000 | 1,116,000 | 1,004,000 | 1,359,000 | 1,410,000 | 1,647,000 | 1,447,000 | 1,390,000 | |
deposit and loan transaction costs | 716,000 | 658,000 | 715,000 | 879,000 | 591,000 | 584,000 | 726,000 | 867,000 | 542,000 | 778,000 | 615,000 | 690,000 | 611,000 | 747,000 | 664,000 | 689,000 | 697,000 | 693,000 | 664,000 | 766,000 | 804,000 | 697,000 | 678,000 | 711,000 | 596,000 | 681,000 | 465,000 | |
office supplies and related expense | 481,000 | 490,000 | 370,000 | 437,000 | 399,000 | 506,000 | 405,000 | 419,000 | 361,000 | 689,000 | 546,000 | 631,000 | 633,000 | 487,000 | 494,000 | 502,000 | 468,000 | 402,000 | 463,000 | 424,000 | 609,000 | 475,000 | 592,000 | 519,000 | 555,000 | 689,000 | 736,000 | |
other non-interest expense | 992,000 | 970,000 | 983,000 | 1,536,000 | 1,070,000 | 1,220,000 | 1,260,000 | 1,459,000 | 1,381,000 | 1,213,000 | 1,187,000 | 1,280,000 | 1,109,000 | 1,133,000 | 1,163,000 | 1,217,000 | 919,000 | 891,000 | 1,903,000 | 1,083,000 | 1,277,000 | 1,253,000 | 1,286,000 | 1,698,000 | 1,297,000 | 1,519,000 | 1,470,000 | |
total non-interest expense | 30,476,000 | 31,018,000 | 29,564,000 | 29,540,000 | 27,148,000 | 27,040,000 | 27,950,000 | 28,445,000 | 28,508,000 | 28,194,000 | 29,336,000 | 28,631,000 | 27,773,000 | 29,807,000 | 28,390,000 | 27,960,000 | 26,694,000 | 27,602,000 | 32,653,000 | 27,067,000 | 27,176,000 | 26,164,000 | 26,164,000 | 26,500,000 | 26,330,000 | 27,691,000 | 26,141,000 | |
income before income tax expense | 25,214,000 | 23,037,000 | 21,633,000 | 19,253,000 | 19,098,000 | 19,207,000 | 15,611,000 | 17,217,000 | 2,068,000 | -186,126,000 | 9,904,000 | 17,520,000 | 19,747,000 | 24,824,000 | 26,769,000 | 27,745,000 | 27,865,000 | 22,896,000 | 25,861,000 | 23,348,000 | 23,492,000 | 24,562,000 | 5,100,000 | 27,476,000 | 29,040,000 | 29,214,000 | 31,457,000 | |
income tax expense | 4,910,000 | 4,224,000 | 3,251,000 | 3,854,000 | 3,667,000 | 7,150,000 | 5,963,000 | 3,455,000 | -475,000 | -45,736,000 | 1,602,000 | 3,331,000 | 3,507,000 | 5,332,000 | 5,617,000 | 6,122,000 | 5,679,000 | 4,709,000 | 5,417,000 | 4,450,000 | 5,213,000 | 5,088,000 | 824,000 | 4,965,000 | 6,631,000 | 6,317,000 | 6,903,000 | |
net income | 20,304,000 | 18,813,000 | 18,382,000 | 15,399,000 | 15,431,000 | 12,057,000 | 9,648,000 | 13,762,000 | 2,543,000 | -140,390,000 | 8,302,000 | 14,189,000 | 16,240,000 | 19,492,000 | 21,152,000 | 21,623,000 | 22,186,000 | 18,187,000 | 20,444,000 | 18,898,000 | 18,279,000 | 19,474,000 | 4,276,000 | 22,511,000 | 22,409,000 | 22,897,000 | 24,554,000 | |
yoy | 31.58% | 56.03% | 90.53% | 11.90% | 506.80% | -108.59% | 16.21% | -3.01% | -84.34% | -820.24% | -60.75% | -34.38% | -26.80% | 7.18% | 3.46% | 14.42% | 21.37% | -6.61% | 378.11% | -16.05% | -18.43% | -14.95% | -82.59% | |||||
qoq | 7.93% | 2.34% | 19.37% | -0.21% | 27.98% | 24.97% | -29.89% | 441.17% | -101.81% | -1791.04% | -41.49% | -12.63% | -16.68% | -7.85% | -2.18% | -2.54% | 21.99% | -11.04% | 8.18% | 3.39% | -6.14% | 355.43% | -81.00% | 0.46% | -2.13% | -6.75% | ||
basic earnings per share | 0.16 | 0.14 | 0.14 | 0.12 | 0.12 | 0.09 | 0.07 | 0.11 | 0.02 | -1.05 | 0.06 | 0.11 | 0.12 | 0.14 | 0.16 | 0.16 | 0.16 | 0.13 | 0.15 | 0.14 | 0.13 | 0.14 | 0.03 | 0.16 | 0.16 | 0.17 | 0.18 | |
diluted eps | 0.16 | 0.14 | 0.14 | 0.12 | 0.12 | 0.09 | 0.07 | 0.11 | 0.02 | -1.05 | 0.06 | 0.11 | 0.12 | 0.14 | 0.16 | 0.16 | 0.16 | 0.13 | 0.15 | 0.14 | 0.13 | 0.14 | 0.03 | 0.16 | 0.16 | 0.17 | 0.18 | |
basic weighted-average common shares | 128,953,166 | 130,081,065 | 130,025,900 | 129,972,969 | 129,866,397 | 130,536,246 | 132,353,313 | 133,198,755 | 133,150,224 | 134,640,932 | 135,724,658 | 135,676,722 | 135,627,043 | 135,504,869 | 135,450,878 | 135,397,691 | 138,018,052 | 137,968,327 | 137,898,010 | 137,720,480 | 137,634,820 | |||||||
diluted weighted-average common shares | 128,953,166 | 130,081,065 | 130,025,900 | 129,972,969 | 129,866,397 | 130,536,246 | 132,353,313 | 133,198,755 | 133,150,224 | 134,640,932 | 135,724,658 | 135,676,722 | 135,627,043 | 135,537,152 | 135,498,170 | 135,398,884 | 138,018,052 | 138,000,334 | 137,976,122 | 137,787,528 | 137,690,717 | |||||||
see accompanying notes to consolidated financial statements. | ||||||||||||||||||||||||||||
net loss from securities transactions | -13,345,000 | |||||||||||||||||||||||||||
net interest income after provision for credit losses | 41,553,000 | 39,470,000 | 42,168,000 | 49,053,000 | 45,345,000 | 48,472,000 | ||||||||||||||||||||||
benefit from credit losses | -1,422,500 | 937,000 | -3,188,000 | -2,691,000 | 5,575,000 | |||||||||||||||||||||||
gain on sale of visa class b shares | 7,386,000 | |||||||||||||||||||||||||||
loss on interest rate swap termination | 4,752,000 | |||||||||||||||||||||||||||
fhlb borrowings | 15,355,000 | 12,981,000 | 12,525,000 | |||||||||||||||||||||||||
other borrowings | 648,000 | 640,000 | 819,000 | |||||||||||||||||||||||||
income from bank-owned life insurance | 620,000 | 590,000 | 587,000 |
Balance Sheets:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-12-31 | 2014-09-30 | 2014-03-31 | 2013-12-31 | 2013-06-30 | 2013-03-31 | 2012-12-31 | 2012-06-30 | 2012-03-31 | 2011-12-31 | 2011-06-30 | 2011-03-31 | 2010-12-31 | 2010-09-30 | 2010-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
assets: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents | 232,634,000 | 252,443,000 | 174,965,000 | 340,389,000 | 170,324,000 | 217,307,000 | 317,821,000 | 443,513,000 | 320,357,000 | 245,605,000 | 329,409,000 | 60,207,000 | 49,686,000 | 49,194,000 | 54,789,000 | 166,869,000 | 135,475,000 | 42,262,000 | 95,305,000 | 139,472,000 | 168,032,000 | 185,148,000 | 396,219,000 | 118,374,000 | 70,703,000 | 220,370,000 | 43,051,000 | 218,051,000 | 81,713,000 | 139,055,000 | 182,078,000 | 140,580,000 | 29,120,000 | 351,659,000 | 130,249,000 | 240,587,000 | 150,560,000 | 281,764,000 | 152,831,000 | 203,811,000 | 232,354,000 | 772,632,000 | 46,668,000 | 1,021,150,000 | 208,642,000 | 114,835,000 | 88,665,000 | 131,287,000 | 48,574,000 | 105,157,000 | 172,948,000 | 143,707,000 | 170,175,000 | 161,872,000 | 122,002,000 | 1,329,861,000 | 88,098,000 | 75,886,000 | |
available-for-sale | 829,704,000 | 867,216,000 | 956,229,000 | 961,417,000 | 861,501,000 | 856,266,000 | 801,953,000 | 842,950,000 | 740,462,000 | 1,384,482,000 | 1,444,867,000 | 1,505,808,000 | 1,528,686,000 | 1,563,307,000 | 1,694,160,000 | 1,780,419,000 | 1,890,653,000 | 2,014,608,000 | 2,015,705,000 | 2,095,924,000 | 1,913,866,000 | 1,204,863,000 | 769,393,000 | 746,728,000 | 668,487,000 | 714,614,000 | 555,361,000 | 559,146,000 | 501,884,000 | 415,831,000 | 452,894,000 | 465,083,000 | 499,792,000 | 527,301,000 | 666,313,000 | 677,416,000 | 636,970,000 | 758,171,000 | 847,059,000 | 842,856,000 | 777,329,000 | 895,623,000 | 993,593,000 | 1,167,043,000 | 1,245,443,000 | 1,259,392,000 | 1,632,297,000 | 1,715,445,000 | 1,570,730,000 | 1,269,987,000 | 1,250,153,000 | 923,125,000 | 56,601,000 | ||||||
loans receivable | 8,176,736,000 | 8,111,961,000 | 8,023,554,000 | 7,875,905,000 | 7,953,556,000 | 7,907,338,000 | 7,933,043,000 | 7,877,569,000 | 7,947,510,000 | 7,970,949,000 | 7,963,360,000 | 7,958,567,000 | 7,783,358,000 | 7,464,208,000 | 7,236,196,000 | 7,108,810,000 | 7,095,605,000 | 7,081,142,000 | 7,033,827,000 | 6,973,536,000 | 7,004,094,000 | 7,202,851,000 | 7,388,090,000 | 7,476,805,000 | 7,429,207,000 | 7,416,747,000 | 7,507,468,000 | 7,570,806,000 | 7,525,780,000 | 7,514,485,000 | 7,239,384,000 | 7,200,663,000 | 7,189,744,000 | 7,195,071,000 | 7,240,594,000 | 7,193,721,000 | 7,071,410,000 | 6,958,024,000 | 6,839,123,000 | 6,769,194,000 | 6,665,128,000 | 6,625,027,000 | 6,496,468,000 | 6,365,320,000 | 6,261,619,000 | 6,233,170,000 | 6,053,897,000 | 6,024,589,000 | 5,792,620,000 | 5,715,273,000 | 5,640,077,000 | 5,209,990,000 | 5,224,178,000 | 5,224,942,000 | 5,162,846,000 | 5,121,018,000 | 5,316,172,000 | ||
federal home loan bank topeka ("fhlb") stock, at cost | 85,060,000 | 90,662,000 | 98,225,000 | 99,334,000 | 100,364,000 | 101,175,000 | 106,309,000 | 109,070,000 | 110,166,000 | 110,714,000 | 116,012,000 | 128,096,000 | 124,119,000 | 100,624,000 | 87,696,000 | 74,456,000 | 75,261,000 | 73,421,000 | 73,630,000 | 74,464,000 | 84,693,000 | 93,862,000 | 102,782,000 | 101,575,000 | 99,861,000 | 98,456,000 | 100,109,000 | 102,631,000 | 100,521,000 | 99,726,000 | 100,694,000 | 195,626,000 | 195,470,000 | 100,954,000 | 101,039,000 | 105,475,000 | 105,364,000 | 109,970,000 | 114,425,000 | 114,381,000 | 119,027,000 | 150,543,000 | 166,257,000 | 154,951,000 | 121,306,000 | 213,054,000 | |||||||||||||
premises and equipment | 88,753,000 | 89,314,000 | 88,967,000 | 89,081,000 | 90,326,000 | 91,463,000 | 92,089,000 | 91,105,000 | 91,475,000 | 91,531,000 | 91,713,000 | 92,415,000 | 93,507,000 | 94,820,000 | 96,008,000 | 96,952,000 | 97,718,000 | 99,127,000 | 99,551,000 | 99,088,000 | 101,238,000 | 101,875,000 | 98,953,000 | 98,589,000 | 98,188,000 | 96,784,000 | 96,170,000 | 96,492,000 | 96,109,000 | 96,005,000 | 85,604,000 | 84,704,000 | 84,591,000 | 84,818,000 | 83,853,000 | 83,248,000 | 83,838,000 | 83,221,000 | 81,928,000 | 80,857,000 | 79,185,000 | 75,810,000 | 73,066,000 | 72,154,000 | 70,997,000 | 70,530,000 | 70,218,000 | 71,477,000 | 64,946,000 | 61,754,000 | 59,587,000 | 54,707,000 | 51,746,000 | 50,383,000 | 46,890,000 | 43,211,000 | 41,781,000 | 40,915,000 | |
income taxes receivable | 220,000 | 1,070,000 | 1,397,000 | 843,000 | 359,000 | 129,000 | 2,644,000 | 3,939,000 | 8,531,000 | 5,894,000 | 3,890,000 | 124,000 | 1,266,000 | 1,993,000 | 891,000 | 1,655,000 | 4,255,000 | 2,000 | 495,000 | 2,177,000 | 123,000 | 1,071,000 | 417,000 | ||||||||||||||||||||||||||||||||||||
deferred federal income tax assets | 22,744,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other assets | 342,769,000 | 343,059,000 | 328,330,000 | 328,797,000 | 336,833,000 | 331,722,000 | 321,285,000 | 319,045,000 | 328,079,000 | 336,044,000 | 315,983,000 | 312,404,000 | 320,356,000 | 317,594,000 | 285,575,000 | 291,391,000 | 314,445,000 | 320,686,000 | 330,756,000 | 315,535,000 | 335,041,000 | 342,532,000 | 351,061,000 | 335,558,000 | 309,026,000 | 302,796,000 | 285,731,000 | 272,383,000 | 262,334,000 | 271,167,000 | 221,094,000 | 219,370,000 | 218,544,000 | 216,845,000 | 203,614,000 | 204,166,000 | 206,331,000 | 206,093,000 | 198,119,000 | 200,176,000 | 200,780,000 | 189,785,000 | 141,589,000 | 141,285,000 | 143,549,000 | 143,945,000 | 47,710,000 | 48,851,000 | 40,693,000 | 148,330,000 | 52,589,000 | 50,288,000 | 45,862,000 | 49,469,000 | 43,872,000 | 47,157,000 | 45,958,000 | 7,604,000 | 35,279,000 |
total assets | 9,778,400,000 | 9,778,701,000 | 9,692,739,000 | 9,718,184,000 | 9,538,167,000 | 9,527,608,000 | 9,602,757,000 | 9,721,286,000 | 9,576,064,000 | 10,177,461,000 | 10,294,127,000 | 10,085,770,000 | 9,929,760,000 | 9,624,897,000 | 9,476,053,000 | 9,531,296,000 | 9,609,157,000 | 9,631,246,000 | 9,649,665,000 | 9,698,019,000 | 9,606,964,000 | 9,487,218,000 | 9,558,814,000 | 9,371,193,000 | 9,236,572,000 | 9,340,018,000 | 9,286,275,000 | 9,534,551,000 | 9,303,782,000 | 9,449,547,000 | 9,048,737,000 | 9,116,461,000 | 8,990,159,000 | 9,192,916,000 | 9,103,280,000 | 9,246,390,000 | 9,139,510,000 | 9,267,247,000 | 9,241,775,000 | 9,316,684,000 | 9,133,422,000 | 9,844,161,000 | 9,131,181,000 | 10,023,099,000 | 9,056,356,000 | 9,865,028,000 | 9,115,417,000 | 9,111,054,000 | 9,239,764,000 | 9,393,718,000 | 9,238,786,000 | 9,420,614,000 | 9,573,144,000 | 9,421,040,000 | 9,602,457,000 | 9,733,111,000 | 9,798,294,000 | 1,015,979,000 | 8,543,357,000 |
liabilities: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deposits | 6,758,632,000 | 6,591,448,000 | 6,431,137,000 | 6,372,545,000 | 6,206,117,000 | 6,129,982,000 | 6,129,660,000 | 6,141,711,000 | 6,021,595,000 | 6,051,220,000 | 6,092,840,000 | 6,144,435,000 | 6,074,549,000 | 6,194,866,000 | 6,329,883,000 | 6,614,844,000 | 6,648,004,000 | 6,597,396,000 | 6,638,294,000 | 6,650,865,000 | 6,410,842,000 | 6,191,408,000 | 6,069,684,000 | 5,774,619,000 | 5,585,851,000 | 5,581,867,000 | 5,580,871,000 | 5,701,111,000 | 5,557,864,000 | 5,603,354,000 | 5,323,083,000 | 5,354,193,000 | 5,266,217,000 | 5,309,868,000 | 5,267,685,000 | 5,269,234,000 | 5,192,674,000 | 5,164,018,000 | 5,085,129,000 | 5,119,829,000 | 4,972,480,000 | 4,832,520,000 | 4,813,188,000 | 4,837,274,000 | 4,705,012,000 | 4,655,272,000 | 4,693,762,000 | 4,620,908,000 | 4,628,436,000 | 4,693,573,000 | 4,582,163,000 | 4,592,437,000 | 4,657,010,000 | 4,501,144,000 | 4,558,574,000 | 4,711,189,000 | 4,682,101,000 | 4,373,844,000 | |
borrowings | 1,829,914,000 | 1,950,770,000 | 2,071,585,000 | 2,142,956,000 | 2,163,775,000 | 2,179,564,000 | 2,291,605,000 | 2,351,022,000 | 2,373,064,000 | 2,879,125,000 | 2,986,162,000 | 2,696,604,000 | 2,645,195,000 | 2,132,154,000 | 1,869,897,000 | 1,583,747,000 | 1,583,303,000 | 1,582,850,000 | 1,582,400,000 | 1,581,955,000 | 1,734,275,000 | 1,789,313,000 | 1,989,089,000 | 2,115,869,000 | 2,189,991,000 | ||||||||||||||||||||||||||||||||||
advances by borrowers | 28,523,000 | 65,416,000 | 38,857,000 | 54,860,000 | 26,088,000 | 61,801,000 | 34,851,000 | 52,698,000 | 24,839,000 | 62,993,000 | 40,982,000 | 60,195,000 | 36,207,000 | 80,067,000 | |||||||||||||||||||||||||||||||||||||||||||||
income taxes payable | 237,000 | 1,113,000 | 3,733,000 | 918,000 | 67,000 | 3,180,000 | 795,000 | 3,802,000 | 115,000 | 3,413,000 | 669,000 | 6,440,000 | 530,000 | 1,092,000 | 728,000 | 9,369,000 | 310,000 | 1,778,000 | 7,059,000 | 815,000 | 9,210,000 | 368,000 | 3,021,000 | 7,577,000 | 347,000 | 3,199,000 | 9,079,000 | 2,763,000 | 1,881,000 | 9,353,000 | 9,579,000 | 2,411,000 | 6,258,000 | 1,440,000 | |||||||||||||||||||||||||
deferred state income tax liabilities | 2,228,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other liabilities | 117,546,000 | 121,334,000 | 105,002,000 | 110,713,000 | 115,248,000 | 123,991,000 | 125,965,000 | 150,952,000 | 122,445,000 | 140,069,000 | 112,858,000 | 112,502,000 | 119,014,000 | 121,311,000 | 88,578,000 | 90,939,000 | 115,249,000 | 129,270,000 | 136,095,000 | 118,383,000 | |||||||||||||||||||||||||||||||||||||||
total liabilities | 8,737,080,000 | 8,731,024,000 | 8,646,581,000 | 8,681,074,000 | 8,511,228,000 | 8,495,338,000 | 8,582,081,000 | 8,696,383,000 | 8,541,943,000 | 9,133,407,000 | 9,232,842,000 | 9,013,736,000 | 8,874,965,000 | 8,528,398,000 | 8,344,313,000 | 8,356,544,000 | 8,392,497,000 | 8,388,973,000 | 8,412,041,000 | 8,419,424,000 | 8,330,416,000 | 8,202,359,000 | 8,258,294,000 | 8,083,400,000 | 7,929,978,000 | 8,003,692,000 | 7,959,176,000 | 8,178,568,000 | 7,957,869,000 | 8,057,925,000 | 7,707,412,000 | 7,751,721,000 | 7,639,548,000 | 7,824,603,000 | 7,744,294,000 | 7,864,101,000 | 7,771,335,000 | 7,874,283,000 | 7,860,960,000 | 7,913,276,000 | 7,742,589,000 | 8,427,935,000 | 7,704,458,000 | 8,546,443,000 | 7,590,427,000 | 8,372,146,000 | 7,585,412,000 | 7,541,591,000 | 7,615,262,000 | 7,750,711,000 | 7,568,835,000 | 7,587,756,000 | 7,660,672,000 | 7,489,731,000 | 7,668,446,000 | 7,806,702,000 | 7,779,321,000 | 54,029,000 | 7,583,357,000 |
stockholders' equity: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred stock, 0.01 par value... | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common stock, 0.01 par value... | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of december 31, 2025 and september 30, 2025, respectively | 1,298,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
additional paid-in capital | 1,126,227,000 | 1,142,711,000 | 1,146,648,000 | 1,146,733,000 | 1,146,802,000 | 1,146,851,000 | 1,146,928,000 | 1,147,029,000 | 1,154,655,000 | 1,166,643,000 | 1,167,979,000 | 1,168,059,000 | 1,168,061,000 | 1,190,213,000 | 1,190,117,000 | 1,189,999,000 | 1,189,827,000 | 1,189,633,000 | 1,189,466,000 | 1,188,926,000 | 1,188,636,000 | 1,189,853,000 | 1,211,653,000 | 1,211,466,000 | 1,211,172,000 | 1,210,226,000 | 1,209,740,000 | 1,208,665,000 | 1,208,323,000 | 1,207,644,000 | 1,168,325,000 | 1,168,087,000 | 1,167,692,000 | 1,167,368,000 | 1,166,908,000 | 1,166,459,000 | 1,162,584,000 | 1,156,855,000 | 1,153,589,000 | 1,152,367,000 | 1,151,867,000 | 1,151,041,000 | 1,163,824,000 | 1,179,579,000 | 1,178,885,000 | 1,180,732,000 | 1,197,668,000 | 1,232,059,000 | 1,234,265,000 | 1,245,057,000 | 1,266,918,000 | 1,315,352,000 | 1,376,093,000 | 1,393,508,000 | 1,391,860,000 | 1,390,949,000 | 1,389,700,000 | 457,795,000 | 456,786,000 |
unearned compensation, employee stock ownership plan | -24,367,000 | -24,780,000 | -25,193,000 | -25,606,000 | -26,019,000 | -26,431,000 | -26,844,000 | -27,258,000 | -27,671,000 | -28,083,000 | -28,497,000 | -28,910,000 | -29,322,000 | -29,735,000 | -30,148,000 | -30,561,000 | -30,974,000 | -31,387,000 | -31,801,000 | -32,214,000 | -32,627,000 | -33,040,000 | -33,453,000 | -33,866,000 | -34,279,000 | -35,104,000 | -35,517,000 | -35,930,000 | -36,756,000 | -37,169,000 | -37,582,000 | -38,408,000 | -38,821,000 | -39,235,000 | -40,060,000 | -40,473,000 | -40,887,000 | -41,712,000 | -42,125,000 | -42,538,000 | -43,777,000 | -44,190,000 | -45,346,000 | -46,089,000 | -46,832,000 | -48,318,000 | -49,061,000 | -49,804,000 | -51,290,000 | -52,033,000 | -52,776,000 | -6,553,000 | |||||||
accumulated deficit | -78,044,000 | -87,331,000 | -95,078,000 | -102,397,000 | -106,734,000 | -111,104,000 | -112,118,000 | -110,722,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive income ("aoci"), net of tax | 16,206,000 | 15,755,000 | 18,453,000 | 17,052,000 | 11,562,000 | 21,627,000 | 11,383,000 | 14,527,000 | 19,155,000 | 8,700,000 | -126,706,000 | -118,643,000 | -132,602,000 | -145,633,000 | -101,925,000 | -75,907,000 | -23,326,000 | -16,305,000 | -13,338,000 | -18,953,000 | -11,371,000 | -16,505,000 | -17,591,000 | -21,978,000 | -9,927,000 | -12,532,000 | -5,416,000 | -1,877,000 | 4,340,000 | 3,763,000 | 5,159,000 | 3,074,000 | 2,918,000 | 3,655,000 | 4,222,000 | 4,601,000 | 5,915,000 | 6,820,000 | 7,014,000 | 5,576,000 | 8,374,000 | 8,227,000 | 9,740,000 | 7,762,000 | 6,986,000 | ||||||||||||||
total stockholders' equity | 1,041,320,000 | 1,047,677,000 | 1,046,158,000 | 1,037,110,000 | 1,026,939,000 | 1,032,270,000 | 1,020,676,000 | 1,024,903,000 | 1,034,121,000 | 1,044,054,000 | 1,061,285,000 | 1,072,034,000 | 1,054,795,000 | 1,096,499,000 | 1,131,740,000 | 1,174,752,000 | 1,216,660,000 | 1,242,273,000 | 1,237,624,000 | 1,278,595,000 | 1,276,548,000 | 1,284,859,000 | 1,300,520,000 | 1,287,793,000 | 1,306,594,000 | 1,336,326,000 | 1,327,099,000 | 1,355,983,000 | 1,345,913,000 | 1,391,622,000 | 1,341,325,000 | 1,364,740,000 | 1,350,611,000 | 1,368,313,000 | 1,358,986,000 | 1,382,289,000 | 1,368,175,000 | 1,392,964,000 | 1,380,815,000 | 1,403,408,000 | 1,390,833,000 | 1,416,226,000 | 1,426,723,000 | 1,476,656,000 | 1,465,929,000 | 1,492,882,000 | 1,912,472,000 | 1,931,309,000 | 1,934,011,000 | 1,926,409,000 | 2,018,973,000 | 960,000,000 | |||||||
total liabilities and stockholders' equity | 9,778,400,000 | 9,778,701,000 | 9,692,739,000 | 9,718,184,000 | 9,538,167,000 | 9,527,608,000 | 9,602,757,000 | 9,721,286,000 | 9,576,064,000 | 10,177,461,000 | 10,294,127,000 | 10,085,770,000 | 9,929,760,000 | 9,624,897,000 | 9,476,053,000 | 9,531,296,000 | 9,609,157,000 | 9,631,246,000 | 9,649,665,000 | 9,698,019,000 | 9,606,964,000 | 9,487,218,000 | 9,558,814,000 | 9,371,193,000 | 9,236,572,000 | 9,340,018,000 | 9,286,275,000 | 9,534,551,000 | 9,303,782,000 | 9,449,547,000 | 9,048,737,000 | 9,116,461,000 | 8,990,159,000 | 9,192,916,000 | 9,103,280,000 | 9,246,390,000 | 9,139,510,000 | 9,267,247,000 | 9,241,775,000 | 9,316,684,000 | 9,133,422,000 | 9,844,161,000 | 9,131,181,000 | 10,023,099,000 | 9,056,356,000 | 9,865,028,000 | |||||||||||||
see accompanying notes to consolidated financial statements. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred income tax assets | 23,826,000 | 21,399,000 | 21,864,000 | 24,420,000 | 21,978,000 | 30,128,000 | 35,390,000 | 34,076,000 | 29,605,000 | 26,889,000 | 24,383,000 | 29,924,000 | 33,884,000 | 19,636,000 | 12,399,000 | ||||||||||||||||||||||||||||||||||||||||||||
deferred income tax liabilities | 2,056,000 | 3,981,000 | 5,810,000 | 7,922,000 | 6,530,000 | 9,318,000 | 8,180,000 | 10,942,000 | 10,236,000 | 15,308,000 | 14,282,000 | 15,135,000 | 17,375,000 | 18,510,000 | 21,253,000 | 18,525,000 | 18,611,000 | 17,981,000 | 24,458,000 | 24,512,000 | 24,860,000 | 24,594,000 | 25,374,000 | 25,925,000 | 25,924,000 | 25,765,000 | 26,391,000 | 25,671,000 | 25,451,000 | 23,445,000 | 22,367,000 | 20,781,000 | 19,586,000 | 19,053,000 | 22,500,000 | 23,267,000 | 22,584,000 | 22,259,000 | 20,266,000 | 19,986,000 | 19,520,000 | 17,493,000 | 35,098,000 | ||||||||||||||||
preferred stock, .01 par value... | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common stock, .01 par value... | 1,322,000 | 1,328,000 | 1,328,000 | 1,328,000 | 1,327,000 | 1,327,000 | 1,327,000 | 1,339,000 | 1,359,000 | 1,361,000 | 1,361,000 | 1,361,000 | 1,388,000 | 1,388,000 | 1,388,000 | 1,388,000 | 1,388,000 | 1,388,000 | 1,388,000 | 1,388,000 | 1,389,000 | ||||||||||||||||||||||||||||||||||||||
retained earnings | -113,357,000 | -104,565,000 | 47,148,000 | 50,167,000 | 47,297,000 | 80,266,000 | 72,308,000 | 89,833,000 | 79,745,000 | 98,944,000 | 91,909,000 | 139,448,000 | 130,522,000 | 143,162,000 | 138,496,000 | 130,756,000 | 138,213,000 | 174,277,000 | 163,581,000 | 186,838,000 | 173,984,000 | 214,569,000 | 204,610,000 | 227,281,000 | 216,045,000 | 234,640,000 | 225,449,000 | 249,047,000 | 238,846,000 | 268,466,000 | 259,094,000 | 283,128,000 | 272,906,000 | 296,739,000 | 294,997,000 | 328,055,000 | 320,413,000 | 346,705,000 | 369,657,000 | 375,554,000 | 426,840,000 | 424,765,000 | 427,942,000 | 540,253,000 | 559,014,000 | 559,577,000 | 564,467,000 | 559,313,000 | 652,620,000 | 801,044,000 | 796,093,000 | ||||||||
advance payments by borrowers for taxes and insurance | 55,955,000 | 65,901,000 | 38,227,000 | 72,729,000 | 47,330,000 | 61,624,000 | 33,216,000 | 65,721,000 | 39,125,000 | 55,306,000 | 27,284,000 | 65,686,000 | 39,769,000 | 48,301,000 | 28,406,000 | 65,264,000 | 39,700,000 | 54,696,000 | 27,804,000 | 63,749,000 | 39,668,000 | 54,790,000 | 25,403,000 | 62,643,000 | 37,902,000 | 52,229,000 | 24,316,000 | 61,818,000 | 37,431,000 | 51,421,000 | 23,698,000 | 58,105,000 | 50,169,000 | 23,930,000 | 34,332,000 | 49,959,000 | 23,818,000 | 32,231,000 | 49,643,000 | 22,285,000 | 31,019,000 | 48,095,000 | 20,962,000 | 31,737,000 | |||||||||||||||
accounts payable and accrued expenses | 139,585,000 | 146,942,000 | 149,454,000 | 127,370,000 | 107,742,000 | 101,868,000 | 83,414,000 | 71,681,000 | 68,507,000 | 83,021,000 | 51,288,000 | 49,074,000 | 46,960,000 | 52,190,000 | 37,865,000 | 41,376,000 | 46,541,000 | 49,549,000 | 39,978,000 | 41,860,000 | 41,697,000 | 36,685,000 | 35,270,000 | 39,512,000 | 38,116,000 | 46,357,000 | 30,510,000 | 33,972,000 | 31,614,000 | 32,015,000 | 33,015,000 | 44,838,000 | 39,344,000 | 40,379,000 | 30,646,000 | 30,015,000 | 33,772,000 | 420,000 | 30,992,000 | ||||||||||||||||||||
available-for-sale ("afs") securities, at estimated fair value | 1,560,950,000 | 1,220,054,000 | 1,236,037,000 | 1,229,587,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of june 30, 2020 and september 30, 2019, respectively | 1,415,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of march 31, 2020 and september 30, 2019, respectively | 1,415,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of december 31, 2019 and september 30, 2019, respectively | 1,415,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
securities: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
held-to-maturity | 483,858,000 | 527,460,000 | 568,838,000 | 612,318,000 | 664,522,000 | 716,372,000 | 770,806,000 | 891,037,000 | 954,110,000 | 1,022,215,000 | 1,188,913,000 | 1,270,849,000 | 1,199,978,000 | 1,359,657,000 | 1,425,383,000 | 1,472,914,000 | 1,720,283,000 | 1,668,484,000 | 1,819,895,000 | 1,953,779,000 | 1,902,228,000 | 2,073,951,000 | 2,165,036,000 | 2,129,417,000 | 2,693,719,000 | 2,953,661,000 | 2,119,826,000 | 1,146,463,000 | |||||||||||||||||||||||||||||||
fhlb borrowings | 2,139,989,000 | 2,139,987,000 | 2,239,985,000 | 2,174,983,000 | 2,174,981,000 | 2,174,816,000 | 2,174,478,000 | 2,174,146,000 | 2,173,808,000 | 2,173,472,000 | 2,273,113,000 | 2,272,754,000 | 2,372,389,000 | 2,472,026,000 | 2,471,656,000 | 2,471,272,000 | 3,270,521,000 | 2,572,898,000 | 3,371,970,000 | 2,570,946,000 | 3,369,677,000 | 2,467,169,000 | 2,515,618,000 | ||||||||||||||||||||||||||||||||||||
other borrowings | 100,000,000 | 100,000,000 | 100,000,000 | 106,186,000 | 110,052,000 | 365,000,000 | 365,000,000 | 365,000,000 | 565,000,000 | 643,609,000 | 668,609,000 | 53,609,000 | 713,609,000 | ||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of september 30, 2019 and 2018, respectively | 1,414,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of june 30, 2019 and september 30, 2018, respectively | 1,414,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of march 31, 2019 and september 30, 2018, respectively | 1,413,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of december 31, 2018 and september 30, 2018, respectively | 1,413,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of september 30, 2018 and 2017, respectively | 1,412,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
repurchase agreements | 100,000,000 | 100,000,000 | 100,000,000 | 200,000,000 | 200,000,000 | 200,000,000 | 200,000,000 | 200,000,000 | 200,000,000 | 200,000,000 | 200,000,000 | 200,000,000 | 220,000,000 | 220,000,000 | 220,000,000 | 220,000,000 | 320,000,000 | 320,000,000 | 290,000,000 | 315,000,000 | 365,000,000 | ||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of june 30, 2018 and september 30, 2017, respectively | 1,383,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of march 31, 2018 and september 30, 2017, respectively | 1,382,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of december 31, 2017 and september 30, 2017, respectively | 1,382,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
held-to-maturity ("htm"), at amortized cost (estimated fair value of 833,009 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
and 1,122,867) | 827,738,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of september 30, 2017 and 2016, respectively | 1,382,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of june 30, 2017 and september 30, 2016, respectively | 1,382,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of march 31, 2017 and september 30, 2016, respectively | 1,382,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of december 31, 2016 and september 30, 2016, respectively | 1,379,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
held-to-maturity ("htm"), at amortized cost (estimated fair value of 1,122,867 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
and 1,295,274) | 1,100,874,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of september 30, 2016 and 2015, respectively | 1,375,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of june 30, 2016 and september 30, 2015, respectively | 1,372,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of march 31, 2016 and september 30, 2015, respectively | 1,372,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of december 31, 2015 and september 30, 2015, respectively | 1,371,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
held-to-maturity ("htm"), at amortized cost (estimated fair value of 1,295,274 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
and 1,571,524) | 1,271,122,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of september 30, 2015 and 2014, respectively | 1,371,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of june 30, 2015 and september 30, 2014, respectively | 1,387,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of march 31, 2015 and september 30, 2014, respectively | 1,407,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of december 31, 2014 and september 30, 2014, respectively | 1,407,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents (includes interest-earning deposits of | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
799,340 and 99,735) | 810,840,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
available-for-sale ("afs"), at estimated fair value (amortized cost of | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
829,558 and 1,058,283) | 840,790,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
held-to-maturity ("htm"), at amortized cost (estimated fair value of | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
1,571,524 and 1,741,846) | 1,552,699,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of september 30, 2014 and 2013, respectively | 1,410,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
see notes to consolidated financial statements | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
bank-owned life insurance | 60,163,000 | 59,832,000 | 59,133,000 | 58,756,000 | 58,394,000 | 57,667,000 | 57,333,000 | 56,947,000 | 56,059,000 | 55,546,000 | 55,042,000 | 54,350,000 | |||||||||||||||||||||||||||||||||||||||||||||||
capital stock of federal home loan bank (“fhlb”), at cost | 125,829,000 | 129,095,000 | 134,222,000 | 130,680,000 | 130,784,000 | 131,437,000 | 130,614,000 | 129,503,000 | 125,797,000 | 122,651,000 | 121,768,000 | 136,055,000 | |||||||||||||||||||||||||||||||||||||||||||||||
accrued interest receivable | 23,192,000 | 22,823,000 | 24,426,000 | 24,447,000 | 24,319,000 | 27,416,000 | 27,424,000 | 28,285,000 | 31,351,000 | 30,778,000 | 28,936,000 | 31,578,000 | |||||||||||||||||||||||||||||||||||||||||||||||
other real estate owned | 3,667,000 | 3,645,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
stockholders’ equity: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred stock (0.01 par value) 100,000,000 shares authorized; no shares issued or outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common stock (0.01 par value) 1,400,000,000 shares authorized; 143,120,893 and 147,840,268 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of march 31, 2014 and september 30, 2013, respectively | 1,431,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive income (“aoci”), net of tax | 5,026,000 | 4,567,000 | 7,265,000 | 17,781,000 | 20,402,000 | 23,989,000 | 24,854,000 | 26,451,000 | 27,454,000 | 26,689,000 | 27,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
total stockholders’ equity | 1,530,005,000 | 1,569,463,000 | 1,624,502,000 | 1,643,007,000 | 1,669,951,000 | 1,832,858,000 | 961,950,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
total liabilities and stockholders’ equity | 9,115,417,000 | 9,111,054,000 | 9,239,764,000 | 9,393,718,000 | 9,238,786,000 | 9,420,614,000 | 9,573,144,000 | 9,421,040,000 | 9,602,457,000 | 9,733,111,000 | 9,798,294,000 | 1,015,979,000 | 8,543,357,000 | ||||||||||||||||||||||||||||||||||||||||||||||
common stock (0.01 par value) 1,400,000,000 shares authorized; 147,313,188 and 147,840,268 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of december 31, 2013 and september 30, 2013, respectively | 1,473,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other real estate owned (“oreo”) | 5,499,000 | 6,682,000 | 6,259,000 | 9,913,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
borrowings from fhlb | 2,611,480,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common stock (0.01 par value) 1,400,000,000 shares authorized; 147,841,368 and 155,379,739 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of june 30, 2013 and september 30, 2012, respectively | 1,478,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
advances from fhlb | 2,634,465,000 | 2,532,493,000 | 2,527,903,000 | 2,525,535,000 | 2,531,304,000 | 2,453,642,000 | 2,351,863,000 | 2,350,126,000 | 2,396,637,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
common stock (0.01 par value) 1,400,000,000 shares authorized; 149,301,782 and 155,379,739 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued and outstanding as of march 31, 2013 and september 30, 2012, respectively | 1,493,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common stock (0.01 par value) 1,400,000,000 shares authorized; | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
152,115,857 and 155,379,739 shares issued and outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
as of december 31, 2012 and september 30, 2012, respectively | 1,521,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred stock (0.01 par value) 100,000,000 shares authorized; none issued | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
158,203,649 and 167,498,133 shares issued and outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
as of june 30, 2012 and september 30, 2011, respectively | 1,582,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
real estate owned (“reo”) | 11,799,000 | 11,189,000 | 10,064,000 | 11,337,000 | 10,979,000 | 7,150,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
165,299,033 and 167,498,133 shares issued and outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
as of march 31, 2012 and september 30, 2011, respectively | 1,653,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
unearned compensation, recognition and retention plan | -81,000 | -98,000 | -155,000 | -184,000 | -216,000 | -297,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
common stock (0.01 par value) 1,400,000,000 shares authorized, 167,498,133 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued; 167,498,133 shares outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
as of december 31, 2011 and september 30, 2011 | 1,675,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued; 167,498,133 and 73,992,678 shares outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
as of june 30, 2011 and september 30, 2010, respectively | 1,675,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
less shares held in treasury (0 and 17,519,609 shares as of june 30, 2011 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
and september 30, 2010, respectively, at cost) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
loans receivable, net of allowance for credit losses (“acl”) of 13,814 and 14,892 | 5,096,615,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common stock (0.01 par value) 1,400,000,000 shares authorized, 167,493,608 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shares issued; 167,493,608 and 73,992,678 shares outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
as of march 31, 2011 and september 30, 2010, respectively | 1,675,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
less shares held in treasury (0 and 17,519,609 shares as of march 31, 2011 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
as of december 31, 2010 and september 30, 2010, respectively | 1,675,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
less shares held in treasury (0 and 17,519,609 shares as of december 31, 2010 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
assets | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
investment in the bank and capitol federal financial, inc. | 857,115,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
investment in certificates of deposit at the bank | 55,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
note receivable - esop | 8,024,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income tax receivable | 138,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities and stockholders’ equity | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
no shares issued or outstanding | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
91,512,287 shares issued; 73,992,678 and 74,099,355 shares | 915,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
outstanding as of september 30, 2010 and 2009, respectively | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
unearned compensation - esop | -6,050,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
unearned compensation - rrp | -255,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive gain | 31,862,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
treasury stock | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
september 30, 2010 and 2009, respectively | -323,361,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
investment securities: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
mortgage-backed securities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
afs, at estimated fair value | 1,106,815,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
htm, at amortized cost | 513,808,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
prepaid federal insurance premium | 22,285,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred stock (0.01 par value) 50,000,000 shares authorized; none issued | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common stock (0.01 par value) 450,000,000 shares authorized, 91,512,287 shares issued; 73,990,978 and 74,099,355 shares outstanding as of june 30, 2010 and september 30, 2009, respectively | 915,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive income, net of tax | 36,433,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
less shares held in treasury | -323,377,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-06-30 | 2015-03-31 | 2014-12-31 | 2013-12-31 | 2013-06-30 | 2013-03-31 | 2012-12-31 | 2011-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
cash flows from operating activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
net income | 20,304,000 | 18,813,000 | 18,382,000 | 15,399,000 | 15,431,000 | 12,057,000 | 9,648,000 | 13,762,000 | 2,543,000 | -140,390,000 | 8,302,000 | 14,189,000 | 16,240,000 | 19,492,000 | 21,152,000 | 21,623,000 | 22,186,000 | 18,553,000 | 18,187,000 | 20,444,000 | 18,898,000 | 18,279,000 | 19,474,000 | 4,276,000 | 22,511,000 | 22,409,000 | 22,897,000 | 24,554,000 | 24,383,000 | 21,389,000 | 22,372,000 | 23,330,000 | 31,836,000 | 20,602,000 | 21,370,000 | 21,587,000 | 20,578,000 | 20,698,000 | 20,551,000 | 21,527,000 | 20,718,000 | 19,602,000 | 19,234,000 | 20,472,000 | 17,813,000 | 17,995,000 | 17,715,000 | 17,563,000 | 18,789,000 |
adjustments to reconcile net income to net cash from operating activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
fhlb stock dividends | -2,032,000 | -2,197,000 | -2,285,000 | -2,352,000 | -2,477,000 | -2,528,000 | -2,586,000 | -3,260,000 | -3,607,000 | -4,158,000 | -2,695,000 | -2,240,000 | -1,231,000 | -952,000 | -944,000 | -951,000 | -1,069,000 | -1,207,000 | -1,714,000 | -1,826,000 | -1,865,000 | -1,831,000 | -1,971,000 | -2,819,000 | -3,201,000 | -3,095,000 | -3,114,000 | -3,100,000 | -2,939,000 | -3,050,000 | -3,006,000 | -3,152,000 | -3,132,000 | -3,076,000 | -3,181,000 | -1,196,000 | -1,151,000 | -1,105,000 | -1,128,000 | -1,091,000 | |||||||||
provision for credit losses | 1,106,000 | -451,000 | 0 | 677,000 | 1,472,000 | 301,000 | 123,000 | 1,324,000 | 891,000 | 3,660,000 | -3,439,000 | -2,964,000 | -1,532,000 | 22,075,000 | 225,000 | 540,000 | |||||||||||||||||||||||||||||||||
amortization and accretion of premiums and discounts on securities | -838,000 | -829,000 | -786,000 | -876,000 | -1,586,000 | -2,970,000 | -2,771,000 | 737,000 | 722,000 | 837,000 | 1,044,000 | 1,219,000 | 1,764,000 | 1,898,000 | 1,701,000 | 1,590,000 | 1,017,000 | 443,000 | 328,000 | 228,000 | 222,000 | 349,000 | 388,000 | 745,000 | 831,000 | 902,000 | 1,049,000 | 1,076,000 | 1,362,000 | 1,502,000 | 1,197,000 | 1,289,000 | 1,464,000 | 1,326,000 | 1,427,000 | 1,511,000 | 2,125,000 | 2,221,000 | 2,294,000 | 2,065,000 | |||||||||
depreciation and amortization of premises and equipment | 1,755,000 | 1,778,000 | 1,815,000 | 1,847,000 | 2,006,000 | 2,038,000 | 2,040,000 | 2,235,000 | 2,283,000 | 2,298,000 | 2,342,000 | 2,337,000 | 2,341,000 | 2,434,000 | 2,347,000 | 2,287,000 | 2,304,000 | 2,248,000 | 2,278,000 | 2,286,000 | 2,197,000 | 2,192,000 | 2,518,000 | 2,095,000 | 2,122,000 | 2,058,000 | 1,953,000 | 1,940,000 | 1,891,000 | 1,813,000 | 1,769,000 | 1,706,000 | 1,742,000 | 1,632,000 | 1,680,000 | 1,539,000 | 1,399,000 | 1,324,000 | 1,257,000 | 1,199,000 | |||||||||
amortization of intangible assets | 63,000 | 137,000 | 137,000 | 137,000 | 210,000 | 180,000 | 199,000 | 273,000 | 274,000 | 274,000 | 349,000 | 350,000 | 350,000 | 314,000 | 421,000 | 421,000 | 422,000 | 496,000 | 497,000 | 500,000 | 577,000 | 581,000 | 608,000 | ||||||||||||||||||||||||||
amortization of deferred amounts related to fhlb advances | 335,000 | 355,000 | 337,000 | 388,000 | 381,000 | 379,000 | 383,000 | 376,000 | 427,000 | 459,000 | 450,000 | 444,000 | 453,000 | 450,000 | 445,000 | 433,000 | 254,000 | 220,000 | 93,000 | 2,000 | 2,000 | 2,000 | 2,000 | 338,000 | 332,000 | 338,000 | 359,000 | 359,000 | 365,000 | 370,000 | 384,000 | 751,000 | 928,000 | 1,073,000 | 1,269,000 | 2,080,000 | 2,015,000 | 1,972,000 | 2,171,000 | 1,842,000 | |||||||||
common stock committed to be released for allocation - esop | 268,000 | 234,000 | 241,000 | 263,000 | 217,000 | 245,000 | 222,000 | 258,000 | 336,000 | 341,000 | 408,000 | 461,000 | 487,000 | 467,000 | 531,000 | 545,000 | 493,000 | 474,000 | 530,000 | 582,000 | 560,000 | 547,000 | 531,000 | 535,000 | 536,000 | 578,000 | 591,000 | 635,000 | 634,000 | 551,000 | 514,000 | 525,000 | 503,000 | 518,000 | 518,000 | 510,000 | 1,646,000 | 1,640,000 | 1,636,000 | 1,533,000 | |||||||||
stock-based compensation | 99,000 | 96,000 | 103,000 | 101,000 | 97,000 | 82,000 | 87,000 | 75,000 | 74,000 | 89,000 | 126,000 | 124,000 | 123,000 | 117,000 | 127,000 | 134,000 | 118,000 | 132,000 | 152,000 | 166,000 | 167,000 | 90,000 | 95,000 | 93,000 | 93,000 | 94,000 | 89,000 | 173,000 | 157,000 | 177,000 | 250,000 | 533,000 | 515,000 | 535,000 | 516,000 | 548,000 | 537,000 | 677,000 | 909,000 | ||||||||||
amortization of net deferred loan fees and premiums | -1,117,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
changes in: | |||||||||||||||||||||||||||||||||||||||||||||||||
unrestricted cash collateral from derivative counterparties | 40,000 | -1,310,000 | -1,680,000 | 2,550,000 | -930,000 | 1,030,000 | -6,830,000 | 3,570,000 | |||||||||||||||||||||||||||||||||||||||||
other assets | 161,000 | -2,130,000 | -729,000 | 5,752,000 | -2,904,000 | -3,312,000 | -3,775,000 | 6,615,000 | 461,000 | -914,000 | -549,000 | 3,988,000 | -2,527,000 | -6,317,000 | 1,215,000 | 3,640,000 | 1,452,000 | 3,975,000 | 2,045,000 | 4,789,000 | 1,942,000 | -5,109,000 | 1,400,000 | 2,412,000 | 1,237,000 | -2,908,000 | 1,544,000 | 368,000 | 1,050,000 | -1,813,000 | 726,000 | 1,531,000 | -1,144,000 | 1,615,000 | -437,000 | -487,000 | 135,000 | 270,000 | 83,000 | -180,000 | 2,216,000 | 833,000 | 78,000 | -2,876,000 | 2,464,000 | -3,379,000 | 70,000 | ||
income taxes receivable | 457,000 | 313,000 | -558,000 | -482,000 | |||||||||||||||||||||||||||||||||||||||||||||
deferred income tax assets | 1,108,000 | 23,000 | 808,000 | 764,000 | |||||||||||||||||||||||||||||||||||||||||||||
other liabilities | -4,266,000 | 18,589,000 | -5,110,000 | -3,705,000 | -9,936,000 | 4,580,000 | 5,020,000 | -101,000 | -9,306,000 | 10,094,000 | -2,093,000 | -3,676,000 | -4,314,000 | 901,000 | -6,927,000 | -7,069,000 | -3,526,000 | -1,467,000 | |||||||||||||||||||||||||||||||
net cash from operating activities | 17,443,000 | -19,969,000 | 12,404,000 | 15,505,000 | 5,608,000 | -5,556,000 | 19,107,000 | 20,502,000 | -5,334,000 | 50,090,000 | 9,329,000 | 10,133,000 | 14,601,000 | 66,446,000 | 26,902,000 | 16,223,000 | 20,269,000 | 23,090,000 | 19,323,000 | 12,851,000 | 19,203,000 | -676,000 | 30,761,000 | 11,566,000 | 26,810,000 | 74,168,000 | 23,388,000 | 17,836,000 | 14,302,000 | 43,345,000 | 23,303,000 | 23,447,000 | 43,312,000 | 18,648,000 | 11,507,000 | 26,954,000 | 18,362,000 | 17,532,000 | 26,165,000 | 18,008,000 | 15,296,000 | 28,899,000 | 25,103,000 | 30,826,000 | 22,489,000 | 21,255,000 | 28,952,000 | ||
capital expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
free cash flows | 17,443,000 | -19,969,000 | 12,404,000 | 15,505,000 | 5,608,000 | -5,556,000 | 19,107,000 | 20,502,000 | -5,334,000 | 50,090,000 | 9,329,000 | 10,133,000 | 14,601,000 | 66,446,000 | 26,902,000 | 16,223,000 | 20,269,000 | 23,090,000 | 19,323,000 | 12,851,000 | 19,203,000 | -676,000 | 30,761,000 | 11,566,000 | 26,810,000 | 74,168,000 | 23,388,000 | 17,836,000 | 14,302,000 | 43,345,000 | 23,303,000 | 23,447,000 | 43,312,000 | 18,648,000 | 11,507,000 | 26,954,000 | 18,362,000 | 17,532,000 | 26,165,000 | 18,008,000 | 15,296,000 | 28,899,000 | 25,103,000 | 30,826,000 | 22,489,000 | 21,255,000 | 28,952,000 | ||
cash flows from investing activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
purchase of afs securities | -1,848,000 | -38,749,000 | -138,042,000 | -71,416,000 | -108,306,000 | -283,217,000 | -668,310,000 | -28,447,000 | -125,533,000 | -125,234,000 | -323,804,000 | -504,780,000 | -177,445,000 | -138,960,000 | -149,359,000 | -113,982,000 | -88,456,000 | -122,047,000 | -101,782,000 | 0 | -1,535,000 | -35,890,000 | -24,940,000 | -50,000,000 | -24,768,000 | -29,310,000 | -175,045,000 | -204,142,000 | -273,634,000 | ||||||||||||||||||||
proceeds from calls, maturities and principal reductions of afs securities | 40,956,000 | 47,803,000 | 47,813,000 | 51,574,000 | 118,206,000 | 205,929,000 | 49,604,000 | 45,964,000 | 44,348,000 | 51,045,000 | 72,502,000 | 80,993,000 | 107,665,000 | 118,136,000 | 211,296,000 | 112,466,000 | 152,396,000 | 200,293,000 | 145,892,000 | 123,810,000 | 97,124,000 | 98,521,000 | 51,003,000 | 90,453,000 | 62,233,000 | 11,760,000 | 11,268,000 | 35,628,000 | 61,274,000 | 35,687,000 | 36,834,000 | 116,678,000 | 43,402,000 | 37,585,000 | 64,676,000 | 96,656,000 | 90,721,000 | 184,601,000 | 345,298,000 | 187,947,000 | |||||||||
proceeds from the redemption of fhlb stock | 7,634,000 | 5,037,000 | 3,315,000 | 3,163,000 | 5,238,000 | 3,624,000 | 3,134,000 | 49,687,000 | 123,697,000 | 90,423,000 | 92,894,000 | 94,500,000 | 1,224,000 | 1,161,000 | 2,807,000 | 11,180,000 | 10,238,000 | 0 | 0 | 421,000 | 5,458,000 | 2,596,000 | 94,500,000 | 192,201,000 | 98,950,000 | 94,500,000 | 98,950,000 | 94,500,000 | 94,500,000 | 94,500,000 | 47,250,000 | 58,500,000 | 97,179,000 | ||||||||||||||||
net change in loans receivable | -64,510,000 | -148,346,000 | 78,561,000 | -48,054,000 | -56,914,000 | 69,286,000 | 22,815,000 | -7,266,000 | -176,002,000 | -327,583,000 | -128,449,000 | -10,969,000 | -12,387,000 | -46,477,000 | -57,638,000 | 33,217,000 | 203,698,000 | 88,715,000 | -69,751,000 | -12,844,000 | |||||||||||||||||||||||||||||
purchase of premises and equipment | -1,608,000 | -1,642,000 | -756,000 | -1,152,000 | -2,676,000 | -1,471,000 | -1,261,000 | -2,128,000 | -1,176,000 | -1,093,000 | -1,974,000 | -992,000 | -1,526,000 | -1,302,000 | -3,136,000 | -2,914,000 | -2,058,000 | -2,925,000 | -2,615,000 | -3,882,000 | -4,263,000 | -2,400,000 | -2,183,000 | -2,848,000 | -2,180,000 | -2,034,000 | -2,543,000 | -1,985,000 | -1,981,000 | -2,854,000 | -3,891,000 | -4,555,000 | |||||||||||||||||
proceeds from sale of other real estate owned | 0 | 0 | 110,000 | 68,000 | 186,000 | 51,000 | 296,000 | 16,000 | 367,000 | 120,000 | 97,000 | 0 | 44,000 | 53,000 | 6,000 | 402,000 | 585,000 | 562,000 | 431,000 | 631,000 | 574,000 | 1,153,000 | 434,000 | 1,432,000 | 1,593,000 | 1,272,000 | 2,703,000 | 281,000 | 815,000 | ||||||||||||||||||||
net cash from investing activities | -19,376,000 | 213,394,000 | -137,628,000 | -8,399,000 | -65,775,000 | -628,793,000 | -43,935,000 | -4,224,000 | 678,494,000 | 372,932,000 | 52,820,000 | -133,149,000 | -291,109,000 | -9,841,000 | -96,677,000 | 14,701,000 | 93,263,000 | -52,276,000 | 28,043,000 | -162,425,000 | -140,010,000 | -1,476,000 | 108,644,000 | -65,032,000 | -40,779,000 | -89,246,000 | 89,426,000 | -80,592,000 | 81,605,000 | 43,466,000 | 109,320,000 | -15,607,000 | -135,889,000 | 32,482,000 | -19,499,000 | -4,716,000 | 23,371,000 | -210,173,000 | 175,492,000 | -86,484,000 | -151,156,000 | 206,424,000 | 52,585,000 | 110,826,000 | -122,262,000 | 95,460,000 | 75,374,000 | ||
capitol federal financial, inc. and subsidiary | |||||||||||||||||||||||||||||||||||||||||||||||||
consolidated statements of cash flows | |||||||||||||||||||||||||||||||||||||||||||||||||
cash flows from financing activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
cash dividends paid | -11,017,000 | -11,066,000 | -11,063,000 | -11,062,000 | -11,061,000 | -11,043,000 | -11,044,000 | -11,127,000 | -11,308,000 | -11,323,000 | -11,321,000 | -11,319,000 | -49,209,000 | -11,534,000 | -38,677,000 | -11,535,000 | -41,385,000 | -11,518,000 | -65,726,000 | -11,518,000 | -29,128,000 | -11,732,000 | -11,734,000 | -11,733,000 | -58,663,000 | -46,154,000 | -11,700,000 | -65,362,000 | -45,043,000 | -11,427,000 | -50,412,000 | -44,968,000 | |||||||||||||||||
net change in deposits | 167,184,000 | 58,592,000 | 166,428,000 | 76,135,000 | -12,051,000 | 120,116,000 | -29,625,000 | -51,595,000 | 69,886,000 | -120,317,000 | -284,961,000 | -33,160,000 | 50,608,000 | -40,898,000 | -12,571,000 | 240,023,000 | 219,434,000 | 295,065,000 | 188,768,000 | 3,984,000 | -120,240,000 | 143,247,000 | -45,490,000 | -31,110,000 | 87,976,000 | -43,651,000 | -1,549,000 | 76,560,000 | 28,656,000 | ||||||||||||||||||||
proceeds from borrowings | 50,100,000 | 300,000,000 | 150,100,000 | 200,000,000 | 50,000,000 | 50,000,000 | 175,100,000 | 1,201,870,000 | 1,091,900,000 | 2,000,100,000 | 285,700,000 | 500,000,000 | 293,702,000 | 340,000,000 | 333,800,000 | 165,000,000 | 305,000,000 | 139,000,000 | 824,200,000 | 362,400,000 | 363,700,000 | 65,000,000 | 2,615,000,000 | 6,400,100,000 | 4,200,000,000 | 4,300,000,000 | 100,000 | 0 | 2,100,000,000 | 2,300,100,000 | 2,100,000,000 | 1,500,000,000 | 1,500,000,000 | 2,350,000,000 | 1,550,000,000 | 472,405,000 | 68,980,000 | 334,150,000 | 250,000,000 | ||||||||||
repayments on borrowings | -171,280,000 | -371,179,000 | -171,279,000 | -216,177,000 | -109,922,000 | -72,421,000 | -682,521,000 | -912,688,000 | -1,040,918,000 | -1,487,518,000 | 0 | -500,000,000 | -293,702,000 | -340,000,000 | -333,800,000 | -315,000,000 | -358,000,000 | -266,000,000 | -894,200,000 | -412,400,000 | -463,700,000 | -6,186,000 | -2,618,866,000 | -6,400,100,000 | -4,200,000,000 | -4,400,000,000 | -300,100,000 | 0 | -2,200,000,000 | -2,300,100,000 | -2,100,000,000 | -2,300,000,000 | -2,300,000,000 | -1,550,000,000 | -2,350,000,000 | -422,405,000 | -118,980,000 | -334,150,000 | |||||||||||
change in advances by borrowers | -36,893,000 | -16,003,000 | 28,772,000 | -35,713,000 | -17,847,000 | 27,859,000 | -38,154,000 | -19,213,000 | 23,988,000 | -43,860,000 | |||||||||||||||||||||||||||||||||||||||
payment of fhlb prepayment penalties | -11,000 | -1,000 | -31,000 | -2,753,000 | -2,292,000 | 0 | |||||||||||||||||||||||||||||||||||||||||||
repurchase of common stock and excise tax payments | -15,959,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
net cash from financing activities | -17,876,000 | -183,562,000 | -40,200,000 | 162,959,000 | 13,184,000 | 528,843,000 | -100,864,000 | 106,878,000 | -598,408,000 | -723,814,000 | 207,053,000 | 133,537,000 | 277,000,000 | -12,678,000 | -47,885,000 | -17,020,000 | -25,279,000 | -27,017,000 | -92,323,000 | 104,184,000 | 97,941,000 | -242,221,000 | 140,150,000 | 130,867,000 | -142,468,000 | -274,164,000 | 210,374,000 | -151,109,000 | -91,125,000 | 103,620,000 | -229,962,000 | -161,468,000 | 98,019,000 | -153,442,000 | -92,713,000 | 164,098,000 | -741,935,000 | -906,006,000 | 948,368,000 | -837,521,000 | -58,939,000 | 43,190,000 | -153,263,000 | -55,221,000 | |||||
net (decrease) in cash and cash equivalents | -19,809,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents: | |||||||||||||||||||||||||||||||||||||||||||||||||
beginning of period | 252,443,000 | 0 | 0 | 217,307,000 | 0 | 0 | 245,605,000 | 0 | 0 | 49,194,000 | 0 | 0 | 70,292,000 | 0 | 0 | 239,708,000 | 0 | 0 | 253,700,000 | 0 | 0 | 139,055,000 | 0 | 0 | 351,659,000 | 0 | 0 | 281,764,000 | 0 | 0 | 772,632,000 | 0 | 0 | 810,840,000 | 0 | 0 | 141,705,000 | 121,070,000 | |||||||||||
end of period | 232,634,000 | -165,424,000 | 170,065,000 | 170,324,000 | -125,692,000 | 123,156,000 | 320,357,000 | 269,202,000 | 10,521,000 | 49,686,000 | -117,660,000 | 13,904,000 | 158,545,000 | -44,957,000 | -45,390,000 | 216,842,000 | 279,555,000 | 77,401,000 | 97,263,000 | -161,350,000 | 147,618,000 | 83,853,000 | 41,498,000 | 111,460,000 | 29,120,000 | -110,338,000 | 90,027,000 | 150,560,000 | -50,980,000 | -28,543,000 | 232,354,000 | -974,482,000 | 812,508,000 | 208,642,000 | 82,713,000 | -56,583,000 | 105,157,000 | 170,175,000 | |||||||||||
see accompanying notes to consolidated financial statements. | |||||||||||||||||||||||||||||||||||||||||||||||||
(equity in)/equity in excess of distribution over earnings of subsidiary | |||||||||||||||||||||||||||||||||||||||||||||||||
depreciation of equipment | |||||||||||||||||||||||||||||||||||||||||||||||||
provision for deferred income taxes | |||||||||||||||||||||||||||||||||||||||||||||||||
receivable from/payable to the bank | |||||||||||||||||||||||||||||||||||||||||||||||||
income taxes receivable/payable | |||||||||||||||||||||||||||||||||||||||||||||||||
principal collected on note receivable from esop | |||||||||||||||||||||||||||||||||||||||||||||||||
net payment from subsidiary related to restricted stock awards | |||||||||||||||||||||||||||||||||||||||||||||||||
repurchase of common stock | 1,000 | 0 | -7,549,000 | -11,900,000 | -1,257,000 | 0 | 0 | -22,196,000 | 1,000 | -1,000 | 0 | -4,568,000 | -22,634,000 | 0 | -7,208,000 | -17,379,000 | -33,338,000 | -38,657,000 | |||||||||||||||||||||||||||||||
net increase in cash and cash equivalents | 9,863,000 | -165,424,000 | 170,065,000 | -46,983,000 | -105,506,000 | -125,692,000 | 82,713,000 | -56,583,000 | -36,548,000 | 49,105,000 | |||||||||||||||||||||||||||||||||||||||
beginning of year | |||||||||||||||||||||||||||||||||||||||||||||||||
end of year | |||||||||||||||||||||||||||||||||||||||||||||||||
originations of loans receivable held-for-sale | -1,583,000 | 0 | 0 | -425,000 | 0 | -411,000 | 0 | -678,000 | -1,183,000 | 0 | -233,000 | -364,000 | -387,000 | -906,000 | -2,227,000 | -1,405,000 | -1,364,000 | -1,641,000 | |||||||||||||||||||||||||||||||
proceeds from sales of lhfs | 3,295,000 | 0 | -2,000 | 433,000 | 0 | 416,000 | 412,000 | 285,000 | 1,215,000 | 0 | 244,000 | 366,000 | 388,000 | 1,453,000 | 2,659,000 | 1,548,000 | 1,320,000 | 1,595,000 | |||||||||||||||||||||||||||||||
net loss from securities transactions | 0 | 0 | 13,345,000 | ||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sale of afs securities | 0 | 0 | 1,272,512,000 | 0 | 0 | 2,078,000 | |||||||||||||||||||||||||||||||||||||||||||
purchase of fhlb stock | -34,343,000 | -124,067,000 | -109,760,000 | -103,439,000 | -91,455,000 | -1,833,000 | 0 | -1,071,000 | -2,875,000 | -93,324,000 | -94,450,000 | 0 | -91,421,000 | -91,400,000 | -91,511,000 | -91,405,000 | -91,494,000 | -86,848,000 | -59,832,000 | ||||||||||||||||||||||||||||||
proceeds from sale of premises and equipment | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sale of assets held-for-sale | 449,000 | 1,642,000 | |||||||||||||||||||||||||||||||||||||||||||||||
proceeds from bank-owned life insurance ("boli") death benefit | 0 | 0 | 220,000 | 0 | 0 | 0 | 443,000 | 0 | 0 | 490,000 | |||||||||||||||||||||||||||||||||||||||
supplemental disclosure of noncash investing activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
purchase of securities that will settle in a subsequent period | |||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sale of participating interest in loans receivable | 0 | 0 | 5,563,000 | ||||||||||||||||||||||||||||||||||||||||||||||
income taxes payable/receivable | 1,291,000 | 4,584,000 | -2,010,000 | -3,767,000 | 1,117,000 | -3,107,000 | -2,621,000 | 2,807,000 | 1,808,000 | -962,000 | -3,113,000 | 2,372,000 | 2,600,000 | -8,057,000 | 3,808,000 | 1,021,000 | -8,248,000 | 8,899,000 | -1,773,000 | -5,986,000 | 9,226,000 | -77,000 | -7,561,000 | 9,483,000 | 8,335,000 | 100,000 | -5,047,000 | 8,848,000 | 6,998,000 | ||||||||||||||||||||
deferred income tax liabilities | 180,000 | -7,836,000 | 91,000 | 1,032,000 | -245,000 | 1,155,000 | 589,000 | 438,000 | -417,000 | -342,000 | 248,000 | -707,000 | -1,203,000 | -597,000 | 46,000 | 1,000 | -746,000 | ||||||||||||||||||||||||||||||||
net increase in cash, cash equivalents and restricted cash | 74,752,000 | 269,202,000 | 10,521,000 | 492,000 | |||||||||||||||||||||||||||||||||||||||||||||
cash, cash equivalents and restricted cash: | |||||||||||||||||||||||||||||||||||||||||||||||||
equity in excess of distribution over earnings of subsidiary | |||||||||||||||||||||||||||||||||||||||||||||||||
stock options exercised | 0 | 300,000 | 0 | 0 | 25,000 | 613,000 | 138,000 | 762,000 | 118,000 | 467,000 | 12,000 | 24,000 | 179,000 | 46,000 | 201,000 | 166,000 | 3,329,000 | 5,147,000 | 30,000 | ||||||||||||||||||||||||||||||
unrestricted cash collateral received from derivative counterparties | 530,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
benefit from credit losses | 937,000 | -1,323,000 | 323,000 | 275,000 | 173,000 | 515,000 | -800,000 | 0 | 233,000 | ||||||||||||||||||||||||||||||||||||||||
gain on the sale of visa class b shares | 0 | 0 | |||||||||||||||||||||||||||||||||||||||||||||||
unrestricted cash collateral (provided to)/received from derivative counterparties | 0 | 0 | -9,970,000 | ||||||||||||||||||||||||||||||||||||||||||||||
proceeds from the sale of visa class b shares | 0 | 0 | |||||||||||||||||||||||||||||||||||||||||||||||
change in advance payments by borrowers for taxes and insurance | -9,947,000 | 27,675,000 | -34,502,000 | 25,399,000 | -14,294,000 | 28,408,000 | -32,505,000 | -16,181,000 | 28,022,000 | -38,402,000 | -8,532,000 | 19,895,000 | -36,858,000 | -14,996,000 | 26,892,000 | -35,945,000 | -15,122,000 | 29,387,000 | -37,240,000 | -14,327,000 | 27,913,000 | -37,502,000 | -13,990,000 | 27,723,000 | -34,407,000 | -15,627,000 | 26,141,000 | -31,824,000 | -32,853,000 | ||||||||||||||||||||
net decrease in cash, cash equivalents and restricted cash | |||||||||||||||||||||||||||||||||||||||||||||||||
net increase in cash, cash equivalents, restricted cash and restricted cash equivalents | 88,253,000 | -56,203,000 | 279,555,000 | ||||||||||||||||||||||||||||||||||||||||||||||
cash, cash equivalents, restricted cash and restricted cash equivalents: | |||||||||||||||||||||||||||||||||||||||||||||||||
benefit from deferred income taxes | |||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from calls, maturities and principal reductions of htm securities | 42,992,000 | 40,816,000 | 42,876,000 | 51,090,000 | 53,647,000 | 56,055,000 | 62,033,000 | 67,036,000 | 77,309,000 | 80,477,000 | 70,911,000 | 71,312,000 | 87,136,000 | 76,622,000 | 79,200,000 | 79,068,000 | 131,842,000 | 173,716,000 | 176,794,000 | 389,366,000 | |||||||||||||||||||||||||||||
proceeds from the redemption of common equity securities related to the redemption of junior subordinated debentures | |||||||||||||||||||||||||||||||||||||||||||||||||
years ended september 30, 2021, 2020, and 2019 | |||||||||||||||||||||||||||||||||||||||||||||||||
supplemental disclosures of cash flow information: | |||||||||||||||||||||||||||||||||||||||||||||||||
income tax payments | 17,991,000 | 5,000 | 11,252,000 | 16,199,000 | 13,000 | 9,203,000 | 17,250,000 | 23,000 | 9,327,000 | 14,379,000 | 12,000 | 3,197,000 | |||||||||||||||||||||||||||||||||||||
interest payments | 28,124,000 | 29,016,000 | 27,191,000 | 26,080,000 | 25,686,000 | 26,565,000 | 25,307,000 | 25,989,000 | 28,424,000 | 28,146,000 | 30,601,000 | 38,471,000 | |||||||||||||||||||||||||||||||||||||
supplemental disclosure of noncash investing and financing activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
operating lease right-of-use assets obtained | 1,183,000 | 0 | 15,658,000 | ||||||||||||||||||||||||||||||||||||||||||||||
operating lease liabilities obtained | 1,183,000 | 0 | 15,543,000 | ||||||||||||||||||||||||||||||||||||||||||||||
transfer of htm securities, at amortized cost, to afs securities | |||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in cash, cash equivalents, restricted cash and restricted cash equivalents | -45,390,000 | -22,866,000 | -156,437,000 | -55,202,000 | |||||||||||||||||||||||||||||||||||||||||||||
accounts payable and accrued expenses | -6,266,000 | 7,238,000 | 5,188,000 | -10,101,000 | -2,312,000 | -2,797,000 | -5,719,000 | -8,175,000 | 2,707,000 | -2,441,000 | -5,909,000 | -3,526,000 | -4,530,000 | -3,556,000 | 6,829,000 | -1,914,000 | 613,000 | -5,514,000 | -3,680,000 | -876,000 | -4,291,000 | -7,950,000 | -442,000 | -377,000 | -11,865,000 | -4,995,000 | |||||||||||||||||||||||
loss on disposal of premises and equipment | |||||||||||||||||||||||||||||||||||||||||||||||||
cash acquired from acquisition | |||||||||||||||||||||||||||||||||||||||||||||||||
purchase of equipment | |||||||||||||||||||||||||||||||||||||||||||||||||
repayment of other borrowings | |||||||||||||||||||||||||||||||||||||||||||||||||
common stock issued for acquisition | |||||||||||||||||||||||||||||||||||||||||||||||||
capital contribution to subsidiary in conjunction with acquisition of ccb | |||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from calls, maturities and principal reductions of held-to-maturity ("htm") securities | |||||||||||||||||||||||||||||||||||||||||||||||||
loans transferred to lhfs | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||
income taxes payable | -3,298,000 | 5,589,000 | -669,000 | -5,771,000 | 5,909,000 | ||||||||||||||||||||||||||||||||||||||||||||
net increase in loans receivable | -45,175,000 | -11,898,000 | -39,244,000 | -11,458,000 | -10,979,000 | -47,258,000 | -123,225,000 | -114,245,000 | -70,708,000 | -104,796,000 | -41,994,000 | -133,023,000 | -105,671,000 | -30,075,000 | -66,776,000 | -77,379,000 | -77,746,000 | -33,926,000 | |||||||||||||||||||||||||||||||
proceeds from sales of loans receivable held-for-sale | 15,642,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
supplemental disclosure of noncash investing and | |||||||||||||||||||||||||||||||||||||||||||||||||
financing activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
adjustments to reconcile net income to net cash from | |||||||||||||||||||||||||||||||||||||||||||||||||
operating activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
principal collected on notes receivable from esop | |||||||||||||||||||||||||||||||||||||||||||||||||
changes in deferred income tax liabilities | 358,000 | 176,000 | -6,572,000 | ||||||||||||||||||||||||||||||||||||||||||||||
changes in cash collateral received from derivative counterparty | |||||||||||||||||||||||||||||||||||||||||||||||||
net change in short-term borrowings | |||||||||||||||||||||||||||||||||||||||||||||||||
excess tax benefits from stock options | 5,000 | 129,000 | 193,000 | ||||||||||||||||||||||||||||||||||||||||||||||
net decrease in cash and cash equivalents | 41,498,000 | 111,460,000 | -322,539,000 | -110,338,000 | 90,027,000 | -131,204,000 | -540,278,000 | -602,198,000 | |||||||||||||||||||||||||||||||||||||||||
cash collateral received from derivative counterparty | |||||||||||||||||||||||||||||||||||||||||||||||||
loans transferred to/from lhfs | 15,814,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
net cash flows from operating activities | |||||||||||||||||||||||||||||||||||||||||||||||||
net cash flows from investing activities | |||||||||||||||||||||||||||||||||||||||||||||||||
dividends paid | -50,198,000 | -44,585,000 | -11,305,000 | -44,551,000 | -45,509,000 | -11,592,000 | -45,676,000 | -10,796,000 | -11,023,000 | -114,302,000 | -28,339,000 | ||||||||||||||||||||||||||||||||||||||
net cash flows from financing activities | |||||||||||||||||||||||||||||||||||||||||||||||||
purchase of htm securities | 0 | -142,960,000 | -1,432,000 | -24,980,000 | -28,343,000 | -810,000 | -30,896,000 | 0 | -227,310,000 | -193,191,000 | -149,706,000 | ||||||||||||||||||||||||||||||||||||||
proceeds from boli death benefit | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||
deposits, net of withdrawals | -34,700,000 | 147,349,000 | 139,960,000 | -24,086,000 | 132,262,000 | 49,740,000 | -65,137,000 | 111,410,000 | 31,520,000 | 5,971,000 | |||||||||||||||||||||||||||||||||||||||
other | 899,000 | 141,000 | 158,000 | 213,000 | |||||||||||||||||||||||||||||||||||||||||||||
purchases of fhlb stock | -89,069,000 | -2,250,000 | |||||||||||||||||||||||||||||||||||||||||||||||
purchases of premises and equipment | -2,587,000 | -2,536,000 | -2,510,000 | -4,569,000 | -4,115,000 | -2,118,000 | -1,546,000 | ||||||||||||||||||||||||||||||||||||||||||
proceeds from sales of other real estate owned | 1,744,000 | 1,040,000 | |||||||||||||||||||||||||||||||||||||||||||||||
loans transferred to oreo | 1,453,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
adjustments to reconcile net income to net cash provided by | |||||||||||||||||||||||||||||||||||||||||||||||||
prepaid federal insurance premium | 9,825,000 | 990,000 | 987,000 | 964,000 | |||||||||||||||||||||||||||||||||||||||||||||
accrued interest receivable | 773,000 | 21,000 | -128,000 | 1,773,000 | 1,031,000 | ||||||||||||||||||||||||||||||||||||||||||||
proceeds from the redemption of capital stock of fhlb | 3,350,000 | 0 | 1,209,000 | 3,315,000 | 2,117,000 | ||||||||||||||||||||||||||||||||||||||||||||
purchases of capital stock of fhlb | -2,719,000 | -3,652,000 | |||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sales of oreo | 1,180,000 | 1,912,000 | 2,428,000 | 3,430,000 | |||||||||||||||||||||||||||||||||||||||||||||
deferred fhlb prepayment penalty | |||||||||||||||||||||||||||||||||||||||||||||||||
supplemental disclosure of noncash | |||||||||||||||||||||||||||||||||||||||||||||||||
investing and financing activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
fhlb advances that will settle in a subsequent period | |||||||||||||||||||||||||||||||||||||||||||||||||
repayments of borrowings | -250,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
net proceeds from common stock offering | |||||||||||||||||||||||||||||||||||||||||||||||||
supplemental disclosure of non-cash | |||||||||||||||||||||||||||||||||||||||||||||||||
note received from esop in exchange for common stock | |||||||||||||||||||||||||||||||||||||||||||||||||
customer deposit holds related to common stock offering | |||||||||||||||||||||||||||||||||||||||||||||||||
stock based compensation - stock options and rrp | 53,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
loan originations and purchases, net of principal collected | |||||||||||||||||||||||||||||||||||||||||||||||||
and deferred loan fees | -77,848,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sales of reo | 2,330,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
provision for loan losses | |||||||||||||||||||||||||||||||||||||||||||||||||
amortization and accretion of premiums and discounts on | |||||||||||||||||||||||||||||||||||||||||||||||||
mbs and investment securities | |||||||||||||||||||||||||||||||||||||||||||||||||
deferred amounts related to fhlb advances | |||||||||||||||||||||||||||||||||||||||||||||||||
gain on the sale of trading securities received | |||||||||||||||||||||||||||||||||||||||||||||||||
in the loan swap transaction | |||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sale of trading securities received | |||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from maturities or calls of investment securities afs | |||||||||||||||||||||||||||||||||||||||||||||||||
purchases of investment securities afs | |||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from maturities or calls of investment securities htm | |||||||||||||||||||||||||||||||||||||||||||||||||
purchases of investment securities htm | |||||||||||||||||||||||||||||||||||||||||||||||||
principal collected on mbs afs | |||||||||||||||||||||||||||||||||||||||||||||||||
purchases of mbs afs | |||||||||||||||||||||||||||||||||||||||||||||||||
principal collected on mbs htm | |||||||||||||||||||||||||||||||||||||||||||||||||
purchases of mbs htm | |||||||||||||||||||||||||||||||||||||||||||||||||
net deferred fee activity | |||||||||||||||||||||||||||||||||||||||||||||||||
capitol federal financial and subsidiaries | |||||||||||||||||||||||||||||||||||||||||||||||||
years ended september 30, 2010, 2009, and 2008 | |||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from advances/line of credit from fhlb | |||||||||||||||||||||||||||||||||||||||||||||||||
repayments on advances/line of credit from fhlb | |||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from repurchase agreements | |||||||||||||||||||||||||||||||||||||||||||||||||
repayment of repurchase agreements | |||||||||||||||||||||||||||||||||||||||||||||||||
deferred offering costs | |||||||||||||||||||||||||||||||||||||||||||||||||
acquisitions of treasury stock | |||||||||||||||||||||||||||||||||||||||||||||||||
supplemental disclosure of noncash investing | |||||||||||||||||||||||||||||||||||||||||||||||||
and financing activities: | |||||||||||||||||||||||||||||||||||||||||||||||||
loans transferred to reo | |||||||||||||||||||||||||||||||||||||||||||||||||
transfer of loans receivable to lhfs | |||||||||||||||||||||||||||||||||||||||||||||||||
swap of loans for trading securities | |||||||||||||||||||||||||||||||||||||||||||||||||
market value change related to fair value hedge: | |||||||||||||||||||||||||||||||||||||||||||||||||
interest rate swaps hedging fhlb advances | |||||||||||||||||||||||||||||||||||||||||||||||||
see notes to consolidated financial statements |