利率风险 - 公司贷款利率一般比存款利率固定期限更长[193] - 公司资产平均久期比负债平均久期长[193] - 这种失衡可能导致收益波动性较大[193] - 利率大幅上升或下降都可能对公司的财务状况、流动性和经营业绩产生重大不利影响[193] - 利率上升和二级抵押贷款市场状况的变化可能降低公司的抵押贷款业务收益[194][195] 地区经济风险 - 伊利诺伊州的财政困难可能对公司的某些借款人和州经济产生不利影响[198][199] - 当地经济状况恶化可能降低对公司产品和服务的需求,增加不良贷款[200][201][202] 监管和政策风险 - 联邦储备局的货币政策和监管可能对公司的业务、财务状况和经营业绩产生不利影响[203][204] 市场竞争风险 - 市场竞争激烈可能限制公司的增长和盈利能力[205] 法律和监管变化风险 - 法律和监管变化可能对公司产生不利影响[206][207][209][210][211]

财务状况 - 2024年6月30日总资产为8.878亿美元，较2023年6月30日的8.490亿美元增加[4] - 2024年6月30日贷款净额为6.393亿美元，较2023年6月30日的5.875亿美元增加[4] - 2024年6月30日存款为7.272亿美元，较2023年6月30日的7.353亿美元减少[4] - 2024年6月30日股东权益为7.392亿美元，较2023年6月30日的7.175亿美元增加[4] 资产质量 - 2024年6月30日不良资产占总资产的0.02%，与2023年6月30日持平[12] - 2024年6月30日贷款损失准备占总贷款的1.16%，较2023年6月30日的1.20%有所下降[12] 盈利能力 - 公司2024财年净收入为180万美元，每股基本和摊薄收益分别为0.57美元[3] - 2024财年净息差为2.10%，较2023财年的2.80%有所下降[10] - 2024财年平均资产收益率为0.20%，较2023财年的0.56%有所下降[10] 股东权益 - 2024年6月30日每股账面价值为22.04美元，较2023年6月30日的21.39美元有所增加[11]

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant To Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2024 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from _______________ to _______________ Commission File No. 001-35226 IF Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland 45-1834449 (State o ...

Exhibit 99.1 Contact: Walter H. Hasselbring, III (815) 432-2476 IF BANCORP, INC. ANNOUNCES RESULTS FOR THIRD QUARTER OF FISCAL YEAR 2024 Watseka, Illinois, April 30, 2024 - IF Bancorp, Inc. (NASDAQ: IROQ) (the “Company”) the holding company for Iroquois Federal Savings and Loan Association (the “Association”), announced unaudited net income of $708,000, or $0.22 per basic and diluted share, for the three months ended March 31, 2024, compared to net income of $690,000, or $0.22 per basic share and $0.21 per ...

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant To Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended December 31, 2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from _______________ to _______________ Commission File No. 001-35226 IF Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland 45-1834449 (Stat ...

Table of Contents SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant To Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-35226 IF Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland 45-1834449 (State or other jurisdiction of (I.R ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-35226 IF BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland 45-1834449 (State or other jurisdiction of ...

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant To Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-35226 IF Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland 45-1834449 (State or other jurisdiction of (I.R.S. Employer incorpora ...

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant To Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended December 31, 2022 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from _______________ to _______________ Commission File No. 001-35226 IF Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland 45-1834449 (State or other jurisdi ...