hbcp-20201027

0001436425-20-000043.txt : 20201027 0001436425-20-000043.hdr.sgml : 20201027 20201027124959 ACCESSION NUMBER: 0001436425-20-000043 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20201027 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20201027 DATE AS OF CHANGE: 20201027 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HOME BANCORP, INC. CENTRAL INDEX KEY: 0001436425 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 000000000 STATE OF INCORPORATION: LA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34190 FILM NUMBER: 201263142 BUSINESS ADDRESS: STREET 1: 503 KALISTE SALOOM ROAD CITY: LAFAYETTE STATE: LA ZIP: 70598 BUSINESS PHONE: (337) 237-1960 MAIL ADDRESS: STREET 1: 503 KALISTE SALOOM ROAD CITY: LAFAYETTE STATE: LA ZIP: 70598 8-K 1 hbcp-20201027.htm 8-K hbcp-20201027

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


Date of Report (Date of earliest event reported)			October 27, 2020


Home Bancorp, Inc.
(Exact name of registrant as specified in its charter)


Louisiana	001-34190	71-1051785
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)


503 Kaliste Saloom Road, Lafayette, Louisiana			70508
(Address of principal executive offices)			(Zip Code)


Registrant’s telephone number, including area code			(337) 237-1960


N/A
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading symbol(s)	Name of each exchange on which registered
Common Stock	HBCP	Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨


Item 2.02			Results of Operations and Financial Condition

On October 27, 2020, the Registrant announced its results of operations for the quarter ended September 30, 2020. A copy of the related press release (the "Press Release") is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein. The Press Release attached hereto is being furnished to the SEC and shall not be deemed "filed" for any purpose except as otherwise provided herein.


Item 8.01			Other Events

On October 27, 2020, the Registrant announced that its Board of Directors declared a cash dividend in the amount of $0.22 per share. The cash dividend will be paid on November 20, 2020 to shareholders of record at the close of business on November 9, 2020.


Item 9.01			Financial Statements and Exhibits

(a)Not applicable.

(b)Not applicable.

(c)Not applicable.

(d)Exhibits

The following exhibit is filed herewith.


Exhibit Number						Description
99.1						Press Release - Results of Operations and Financial Condition, dated October 27 , 2020 .

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

HOME BANCORP, INC.

Date: October 27, 2020

By:

/s/ John W. Bordelon

John W. Bordelon

Chairman of the Board, President and Chief Executive Officer

EXHIBIT INDEX


Exhibit Number						Description
99.1						Press Release - Results of Operations and Financial Condition, dated October 27 , 2020 .

EX-99.1 2 a2020q3earningsrelease.htm EX-99.1 Document

For further information contact:

John W. Bordelon, Chairman of the Board, President and CEO

(337) 237-1960


Release Date:			October 27, 2020
			For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2020 THIRD QUARTER RESULTS

AND DECLARES QUARTERLY DIVIDEND

Lafayette, Louisiana – Home Bancorp, Inc. (Nasdaq: “HBCP”) (the “Company”), the parent company for Home Bank, N.A. (the “Bank”) (www.home24bank.com), reported financial results for the third quarter of 2020. For the quarter, the Company reported net income of $8.8 million, or $1.01 per diluted common share (“diluted EPS”), up $6.3 million from $2.5 million, or $0.29 diluted EPS, for the second quarter of 2020.

“This year has created tremendous challenges for our customers due to the impact of COVID-19,” said John W. Bordelon, Chairman, President, and Chief Executive Officer of the Company and the Bank. “The Bank is well positioned for any fallout from the pandemic financially with the reserves we established over the first two quarters of 2020. While our delinquencies have not escalated at this point in the economic cycle, we believe that as the stimulus from the Federal Government stops, problems will arise until the virus fades or a cure is created.”

“It would be very understandable for the people of Louisiana to struggle and potentially fail due to the pandemic, a downturn in oil prices, and two hurricanes. However, citizens of Louisiana are very resilient and will find a way to make it through these troubling times to better days. We are very proud of the effort put forth by our employees to serve our customers for the last six months. Together, we will move beyond this crisis and help our communities grow.”

COVID-19 Response

Banking operations have not been restrained by state and local government COVID-19 restrictions. However, we have adapted to protect our employees and customers by working remotely, enhancing cleaning procedures, and enacting several other measures to reduce the risk of transmission of the virus. State government imposed restrictions were relaxed in September 2020 within our Louisiana and Mississippi markets, though the states have not fully reopened. The changes in restrictions primarily increased capacity limits of certain businesses and relaxed social distancing guidelines.

During the second and third quarters of 2020, the Company funded approximately 3,072 loans totaling $262.2 million under the Small Business Administration's ("SBA") Paycheck Protection Program ("PPP"). At September 30, 2020, the total recorded net investment in PPP loans was $254.5 million, of which approximately 2,160 loans with an aggregate outstanding balance of $35.2 million were for amounts of $50,000 or less.

To give immediate financial support to our customers, the Company began providing principal and/or interest payment relief options in March 2020. When we last reported the level of such deferrals in our second quarter Form 10-Q (as of August 4, 2020), $113.9 million, or 6% of total loans, were under deferral agreements. As of September 30, 2020, the level of deferrals decreased to $70.2 million, or 4% of total loans. The level of COVID-19 related deferrals formerly totaled 558.8 million, or 28% of total loans, at June 30, 2020. Of the loans that have exited deferral agreements, $469.0 million, or 98%, were current and performing as of September 30, 2020.

Third Quarter 2020 Highlights

•Net income totaled $8.8 million, up $6.3 million, or 252%, from the prior quarter primarily due to the absence of provisions for credit losses on loans and unfunded lending commitments during the third quarter of 2020.

•The Company recorded no provision for loan losses primarily due to limited changes to our assessment of the economic impact of the COVID-19 pandemic and the absence of loan growth from the previous quarter.

•Loans totaled $2.0 billion at September 30, 2020, down $10.6 million, or less than 1%, from June 30, 2020

•The allowance for loan losses totaled $33.0 million, or 1.69% of total loans, at September 30, 2020. The allowance for credit losses ("ACL"), which includes the allowance for unfunded lending commitments, totaled $36.6 million, or 1.87% of total loans, at September 30, 2020. Excluding PPP loans, the ratio of allowance for loan losses to total loans and the ratio for allowance for credit losses was 1.94% and 2.15%, respectively.

•Nonperforming assets totaled $24.8 million, or 0.96% of total assets, down $3.1 million from June 30, 2020 primarily due to pay-downs on nonaccrual loans.

•Preliminary Tier 1 leverage capital and total risk-based capital ratios were 9.44% and 15.29% at September 30, 2020, compared to 9.11% and 14.83% at June 30, 2020.

•The net interest margin was 3.82% for the three months ended September 30, 2020, up six basis points from the second quarter of 2020 primarily due to a decrease in the cost of interest-bearing deposits.

•The average yield on total interest-bearing deposits was 0.60% in the third quarter of 2020, down 18 basis points from the second quarter of 2020.

Loans

Loans totaled $2.0 billion at September 30, 2020, down $10.6 million, or less than 1%, from June 30, 2020. The following table summarizes the changes in the Company’s loan portfolio from June 30, 2020 to September 30, 2020.


	September 30,		June 30,		Increase/(Decrease)
(dollars in thousands)	2020		2020		Amount		Percent
Real estate loans:
One- to four-family first mortgage	$	409,282	$	431,999	$	(22,717)	(5)	%
Home equity loans and lines	67,766		72,956		(5,190)		(7)
Commercial real estate	707,638		689,942		17,696		3
Construction and land	201,575		203,592		(2,017)		(1)
Multi-family residential	86,619		81,635		4,984		6
Total real estate loans	1,472,880		1,480,124		(7,244)		—
Other loans:
Commercial and industrial	443,480		444,728		(1,248)		—
Consumer	38,937		41,073		(2,136)		(5)
Total other loans	482,417		485,801		(3,384)		(1)
Total loans	$	1,955,297	$	1,965,925	$	(10,628)	(1)	%

During the third quarter of 2020, substantial commercial real estate and multi-family residential loan growth was overcome by pay-downs across certain other segments of the loan portfolio. In particular, the Company experienced a steep decline in residential mortgages primarily due to refinances as borrowers sought to acquire lower interest rates.

Commercial real estate loan growth was strongest in our Acadiana market, which accounted for approximately 51% of the increase in commercial real estate loans. The remaining increase in the commercial real estate portfolio was primarily spread across the Northshore, New Orleans, and Baton Rouge markets. Commercial real estate loan growth in Acadiana was primarily attributable to owner-occupied loans to borrowers in the healthcare sector. Multi-family residential loan growth was primarily attributable to our Northshore market.

At September 30, 2020, the total recorded investment in PPP loans was $254.5 million, up $4.9 million or 2% from June 30, 2020. At September 30, 2020, PPP loans are reported net of $7.6 million in deferred lender fees, which will be amortized into interest income over the life of the loans (on a contractual basis, approximately 2 years on average).

Credit Quality and Allowance for Credit Losses

Nonperforming assets (“NPAs”) totaled $24.8 million, or 0.96% of total assets, at September 30, 2020, down $3.1 million, or 11%, from $28.0 million, or 1.06% of total assets, at June 30, 2020. During the third quarter of 2020, approximately $3.0 million in acquired nonaccrual loans related to a single commercial relationship were paid-off.

The Company recorded net loan charge-offs of $821,000 during the third quarter of 2020, compared to net loan charge-offs of $1.1 million for the second quarter of 2020. During the third quarter of 2020, $1.4 million of Company's originated individually evaluated loans were eliminated through partial pay-offs and subsequent charge-offs of the remaining balances. These loans were related to a single commercial relationship and were classified as substandard prior to the COVID-19 crisis. Net charge-offs attributable to these individually evaluated loans totaled $806,000 for the third quarter of 2020.

Beginning in March 2020, in response to the economic challenges brought on by the COVID-19 crisis, we began offering our borrowers payment relief options primarily in the form of deferrals of principal and/or interest payments for an initial term of up to three months. When we last reported the level of such deferrals in our second quarter Form 10-Q (as of August 4, 2020), $113.9 million, or 6% of total loans, were under deferral agreements. As of September 30, 2020, the level of deferrals has decreased to $70.2 million, or 4% of total loans. The level of COVID-19 related deferrals formerly totaled 558.8 million, or 28% of total loans, at June 30, 2020. Of the loans that have exited deferral agreements, $469.0 million, or 98%, are current and performing as of September 30, 2020.

The Company recorded no provision for loan losses for the third quarter of 2020 primarily due to limited changes in our assessment of the economic impact of the COVID-19 pandemic, our assessment of all other risk factors in the loan portfolio and the absence of loan growth from the previous quarter. The provision for loan losses for the nine months ending September 30, 2020 totaled $12.7 million, up $10.4 million from the same period in 2019. Changes in expected losses consider various factors including the changing economic activity, potential mitigating effects of governmental stimulus, the duration of the health crisis, customer specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors.

The following table provides a summary of the loan portfolio and related reserves at September 30, 2020. We have separately identified certain information regarding PPP loans which, due to the existence of full repayment guarantees from the SBA as well as the likelihood that the vast majority of such loans will be forgiven, we believe entail minimal credit risk to the Company.


(dollars in thousands)	Total Loans		PPP Loans		Total ACL		ACL to Total Loans		ACL to Total Non-PPP Loans
September 30, 2020
Retail CRE	$	189,757	$	—	$	6,833	3.60	%	3.60	%
Hotels and short-term rentals	100,029		4,067		5,099		5.10		5.31
Restaurants and bars	92,715		31,488		3,108		3.35		5.08
Energy	31,652		—		1,701		5.37		5.37
Credit cards	3,725		—		375		10.07		10.07
Other loans	1,537,419		218,932		15,886		1.03		1.20
Total	$	1,955,297	$	254,487	$	33,002	1.69	%	1.94	%

Unfunded lending commitments⁽¹⁾	—		—		3,637		—		—
Total	$	1,955,297	$	254,487	$	36,639	1.87	%	2.15	%

(1)At September 30, 2020, the allowance of $3.6 million related to unfunded lending commitments of $326.8 million. The ACL on unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.

Investment Securities

The following table summarizes the composition of the Company’s investment securities portfolio at September 30, 2020.


(dollars in thousands)	Recorded Investment
Available-for-sale
U.S. agency mortgage-backed	$	123,152
Collateralized mortgage obligations	99,157
Municipal bonds	20,817
U.S. government agency	6,413
Corporate bonds	2,039
Total available-for-sale	251,578
Held to Maturity
Municipal Bonds	2,942
Total investment securities	$	254,520

Securities available-for-sale ("AFS") made up 99% of total investment securities and net unrealized gains on AFS securities totaled $6.7 million at September 30, 2020.

Deposits

Total deposits decreased $59.2 million, or 3%, from June 30, 2020 to $2.2 billion at September 30, 2020. The following table summarizes the changes in the Company’s deposits from June 30, 2020 to September 30, 2020.


	September 30,		June 30,		Increase/(Decrease)
(dollars in thousands)	2020		2020		Amount		Percent
Demand deposits	$	629,345	$	647,789	$	(18,444)	(3)	%
Savings	242,849		237,168		5,681		2
Money market	336,310		305,668		30,642		10
NOW	620,081		688,336		(68,255)		(10)
Certificates of deposit	378,909		387,743		(8,834)		(2)
Total deposits	$	2,207,494	$	2,266,704	$	(59,210)	(3)	%

The average rate on interest-bearing deposits decreased 18 basis points from 0.78% for the second quarter of 2020 to 0.60% for the third quarter of 2020. At September 30, 2020, certificates of deposit maturing within the next 12 months totaled $290.8 million.

Net Interest Income

The net interest margin ("NIM") increased six basis points from 3.76% for the second quarter of 2020 to 3.82% for the third quarter of 2020 primarily due to a decrease in the cost of interest-bearing deposits, which was down 18 basis points from the second quarter of 2020.

The average loan yield was 4.94% for the third quarter of 2020, down eight basis points from the second quarter of 2020 primarily due to the full quarter impact of outstanding PPP loans. Outstanding PPP loans negatively impacted the average loan yield by 34 basis points and the NIM by 14 basis points during the third quarter of 2020. During the second quarter of 2020, outstanding PPP loans negatively impacted the average loan yield by 21 basis points and the NIM by 6 basis points. Loan income from deferred PPP lender fees totaled $1.1 million during the third quarter of 2020 and $882,000 during the second quarter of 2020. The remaining balance of $7.6 million in deferred lender fees will be amortized into interest income over the life of the PPP loans.

Loan accretion income from acquired loans totaled $847,000 for the third quarter of 2020 and $746,000 for the second quarter of 2020. At September 30, 2020, variable rate loans totaled $460.8 million, or 24% of total loans.

The following table summarizes the Company’s average volume and rate of its interest-earning assets and interest-bearing liabilities for the periods indicated. Taxable equivalent (“TE”) yields on investment securities have been calculated using a marginal tax rate of 21%.


	For the Three Months Ended
	September 30, 2020										June 30, 2020
(dollars in thousands)	Average Balance		Interest		Average Yield/ Rate		Average Balance		Interest		Average Yield/ Rate
Interest-earning assets:
Loans receivable	$	1,971,174	$	24,769	4.94	%	$	1,928,185	$	24,371	5.02	%
Investment securities^(TE)	252,314		967		1.56		256,069		1,182		1.88
Other interest-earning assets	170,957		106		0.25		186,127		117		0.25
Total interest-earning assets	$	2,394,445	$	25,842	4.25	%	$	2,370,381	$	25,670	4.31	%

Interest-bearing liabilities:
Deposits:
Savings, checking, and money market	$	1,195,455	$	1,136	0.38	%	$	1,157,239	$	1,347	0.47	%
Certificates of deposit	381,949		1,232		1.28		391,380		1,665		1.71
Total interest-bearing deposits	1,577,404		2,368		0.60		1,548,619		3,012		0.78
Other borrowings	5,539		53		3.81		5,539		53		3.86
FHLB advances	34,612		149		1.73		70,460		188		1.07
Total interest-bearing liabilities	$	1,617,555	$	2,570	0.63	%	$	1,624,618	$	3,253	0.80	%

Net interest spread^(TE)					3.62	%					3.51	%
Net interest margin^(TE)					3.82	%					3.76	%

Noninterest Income

Noninterest income for the third quarter of 2020 totaled $3.8 million, up $691,000, or 22%, from the second quarter of 2020 primarily due to increases in gains on the sale of loans (up $262,000), income from bank card fees (up $204,000) and income from service fees and charges on deposit accounts (up $181,000).

Noninterest Expense

Noninterest expense for the third quarter of 2020 totaled $16.1 million, up $121,000, or 1%, from the second quarter of 2020. The increase in noninterest expense was primarily due to increases in compensation and benefits expense, regulatory fees and marketing and advertising expense, partially offset by the absence of a provision for credit losses on unfunded lending commitments.

Compensation and benefits expense was up $378,000, from the second quarter of 2020 primarily due to bonuses paid during the third quarter of 2020.

Regulatory fees were up $164,000, from the second quarter of 2020 primarily due to an increase in FDIC assessments. Large provisions for loan losses, the impact of CECL adoption and dividends during the first half of 2020 reduced total shareholders' equity and resulted in a less favorable leverage ratio, which is used to compute FDIC assessments.

The Company recorded no provision for credit losses on unfunded lending commitments for the third quarter of 2020 primarily due to limited changes in our assessment of the economic impact of the COVID-19 pandemic and the absence of loan growth from the previous quarter. The provision for credit losses on unfunded lending commitments totaled $1.3 million for the nine months ending September 30, 2020.

Capital and Liquidity

The Company's tangible common equity ratio was 9.93% and 9.54% at September 30, 2020 and June 30, 2020, respectively. At September 30, 2020, the Bank's preliminary Tier 1 leverage capital ratio was 9.44%, up 33 basis points from June 30, 2020, and preliminary total risk-based capital ratio was 15.29%, up 46 basis points from June 30, 2020. Loans covered under the PPP are included in the Bank's Tier 1 leverage capital ratio.

The following table summarizes the Company's primary and secondary sources of liquidity.


	September 30,
(dollars in thousands)	2020
Cash and cash equivalents	$	185,836
Unpledged investment securities, amortized cost	116,161
FHLB advance availability	775,313
Unsecured lines of credit	55,000
Federal Reserve discount window availability	500
Total primary and secondary liquidity	$	1,132,810

Dividend and Share Repurchases

The Company announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.22 per share payable on November 20, 2020, to shareholders of record as of November 9, 2020.

During the third quarter, the Company completed the remaining share repurchases under the 2019 Repurchase Plan and announced the approval of a new repurchase program (the "2020 Repurchase Plan"). The Company repurchased 135,224 shares of its common stock during the third quarter of 2020 at an average price per share of $24.94. An additional 391,692 shares remain eligible for purchase under the 2020 Repurchase Plan. The book value per share and tangible book value per share of the Company’s common stock was $35.48 and $28.30, respectively, at September 30, 2020.

Non-GAAP Reconciliation

This news release contains financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). The Company's management uses this non-GAAP financial information in its analysis of the Company's performance. In this news release, information is included which excludes intangible assets and PPP loans. Management believes the presentation of this non-GAAP financial information provides useful information that is helpful to a full understanding of the Company’s financial position and operating results. This non-GAAP financial information should not be viewed as a substitute for financial information determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP financial information presented by other companies. A reconciliation on non-GAAP information included herein to GAAP is presented below.


	For the Three Months Ended
(dollars in thousands, except per share data)	September 30, 2020			June 30, 2020			September 30, 2019

Reported net income	$	8,782		$	2,493		$	6,856
Add: Core deposit intangible amortization, net tax	267			270			311
Non-GAAP tangible income	$	9,049		$	2,763		$	7,167

Total assets	$	2,579,200		$	2,636,896		$	2,218,040
Less: Intangible assets	63,439			63,777			64,854
Non-GAAP tangible assets	$	2,515,761		$	2,573,119		$	2,153,186

Total shareholders’ equity	$	313,324		$	309,326		$	314,677
Less: Intangible assets	63,439			63,777			64,854
Non-GAAP tangible shareholders’ equity	$	249,885		$	245,549		$	249,823

Total loans	$	1,955,297		$	1,965,925		$	1,707,442
Less: PPP loans	254,487			249,623			—
Total loans excluding PPP loans	$	1,700,810		$	1,716,302		$	1,707,442

Allowance for loan losses to total loans	1.69		%	1.72		%	1.03		%
Less: PPP loans	0.25			0.25			—
Non-GAAP allowance for loan losses to total loans	1.94		%	1.97		%	1.03		%

Return on average equity	11.17		%	3.19		%	8.64		%
Add: Average intangible assets	3.27			1.26			2.75
Non-GAAP return on average tangible common equity	14.44		%	4.45		%	11.39		%

Common equity ratio	12.15		%	11.73		%	14.19		%
Less: Intangible assets	2.22			2.19			2.59
Non-GAAP tangible common equity ratio	9.93		%	9.54		%	11.60		%

Book value per share	$	35.48		$	34.50		$	33.72
Less: Intangible assets	7.18			7.11			6.95
Non-GAAP tangible book value per share	$	28.30		$	27.39		$	26.77

This news release contains certain forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could” or “may.”

Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors - many of which are beyond our control - could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. Home Bancorp’s Annual Report on Form 10-K for the year ended December 31, 2019, as supplemented by its Current Report on Form 8-K dated April 28, 2020, describes some of these factors, including risk elements in the loan portfolio, the level of the allowance for credit losses, the impact of the COVID-19 pandemic, risks of our growth strategy, geographic concentration of our business, dependence on our management team, risks of market rates of interest and of regulation on our business and risks of competition. Forward-looking statements speak only as of the date they are made. We do not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made or to reflect the occurrence of unanticipated events.


HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF FINANCIAL CONDITION
(Unaudited)

(dollars in thousands)	September 30, 2020		June 30, 2020		% Change		September 30, 2019
Assets
Cash and cash equivalents	$	185,836	$	234,255	(21)	%	$	61,289
Interest-bearing deposits in banks	349		449		(22)		449
Investment securities available for sale, at fair value	251,578		256,922		(2)		255,114
Investment securities held to maturity	2,942		4,333		(32)		7,193
Mortgage loans held for sale	21,045		13,359		58		6,909
Loans, net of unearned income	1,955,297		1,965,925		(1)		1,707,442
Allowance for loan losses	(33,002)		(33,823)		(2)		(17,598)
Total loans, net of allowance for loan losses	1,922,295		1,932,102		(1)		1,689,844
Office properties and equipment, net	45,696		45,967		(1)		46,362
Cash surrender value of bank-owned life insurance	40,184		39,953		1		39,228
Goodwill and core deposit intangibles	63,439		63,777		(1)		64,854
Accrued interest receivable and other assets	45,836		45,779		—		46,798
Total Assets	$	2,579,200	$	2,636,896	(2)		$	2,218,040


Liabilities
Deposits	$	2,207,494	$	2,266,704	(3)	%	$	1,831,406
Other Borrowings	5,539		5,539		—		5,539
Federal Home Loan Bank advances	31,445		35,041		(10)		47,853
Accrued interest payable and other liabilities	21,398		20,286		5		18,565
Total Liabilities	2,265,876		2,327,570		(3)		1,903,363

Shareholders' Equity
Common stock	88		90		(2)	%	93
Additional paid-in capital	165,522		166,494		(1)		168,822
Common stock acquired by benefit plans	(2,880)		(2,970)		3		(3,260)
Retained earnings	145,373		140,582		3		147,841
Accumulated other comprehensive income	5,221		5,130		2		1,181
Total Shareholders' Equity	313,324		309,326		1		314,677
Total Liabilities and Shareholders' Equity	$	2,579,200	$	2,636,896	(2)		$	2,218,040


HOMEBANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)

	For the Three Months Ended
(dollars in thousands, except per share data)	September 30, 2020		June 30, 2020		% Change		September 30, 2019		% Change
Interest Income
Loans, including fees	$	24,769	$	24,371	2	%	$	23,562	5	%
Investment securities	967		1,182		(18)		1,515		(36)
Other investments and deposits	106		117		(9)		397		(73)
Total interest income	25,842		25,670		1		25,474		1

Interest Expense
Deposits	2,368		3,012		(21)	%	4,050		(42)	%
Other borrowings	53		53		—		53		—
Federal Home Loan Bank advances	149		188		(21)		230		(35)
Total interest expense	2,570		3,253		(21)		4,333		(41)
Net interest income	23,272		22,417		4		21,141		10
Provision for loan losses	—		6,471		(100)		1,146		(100)
Net interest income after provision for loan losses	23,272		15,946		46		19,995		16

Noninterest Income
Service fees and charges	1,123		942		19	%	1,516		(26)	%
Bank card fees	1,331		1,127		18		1,141		17
Gain on sale of loans, net	904		642		41		355		155
Income from bank-owned life insurance	231		228		1		1,464		(84)
Loss on sale of assets, net	—		(13)		100		(8)		100
Other income	205		177		16		306		(33)
Total noninterest income	3,794		3,103		22		4,774		(21)

Noninterest Expense
Compensation and benefits	9,740		9,362		4	%	10,266		(5)	%
Occupancy	1,686		1,653		2		1,791		(6)
Marketing and advertising	288		160		80		418		(31)
Data processing and communication	1,851		1,760		5		1,764		5
Professional fees	197		255		(23)		227		(13)
Forms, printing and supplies	140		160		(13)		172		(19)
Franchise and shares tax	378		389		(3)		399		(5)
Regulatory fees	526		362		45		127		314
Foreclosed assets, net	162		145		12		47		245
Amortization of acquisition intangible	338		342		(1)		393		(14)
Provision for credit losses on unfunded lending commitments	—		542		(100)		—		—
Other expenses	810		865		(6)		1,006		(19)
Total noninterest expense	16,116		15,995		1		16,610		(3)
Income before income tax expense	10,950		3,054		259		8,159		34
Income tax expense	2,168		561		286		1,303		66
Net income	$	8,782	$	2,493	252		$	6,856	28

Earnings per share - basic	$	1.01	$	0.29	248	%	$	0.76	33	%
Earnings per share - diluted	$	1.01	$	0.29	248		$	0.75	35

Cash dividends declared per common share	$	0.22	$	0.22	—	%	$	0.21	5	%


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)

	For the Three Months Ended
(dollars in thousands, except per share data)	September 30, 2020			June 30, 2020			% Change		September 30, 2019			% Change

EARNINGS DATA
Total interest income	$	25,842		$	25,670		1	%	$	25,474		1	%
Total interest expense	2,570			3,253			(21)		4,333			(41)
Net interest income	23,272			22,417			4		21,141			10
Provision for loan losses	—			6,471			(100)		1,146			(100)
Total noninterest income	3,794			3,103			22		4,774			(21)
Total noninterest expense	16,116			15,995			1		16,610			(3)
Income tax expense	2,168			561			286		1,303			66
Net income	$	8,782		$	2,493		252		$	6,856		28

AVERAGE BALANCE SHEET DATA
Total assets	$	2,582,239		$	2,564,562		1	%	$	2,217,178		16	%
Total interest-earning assets	2,394,445			2,370,381			1		2,018,702			19
Total loans	1,971,174			1,928,185			2		1,698,046			16
Total interest-bearing deposits	1,577,404			1,548,619			2		1,383,462			14
Total interest-bearing liabilities	1,617,555			1,624,618			—		1,440,178			12
Total deposits	2,208,825			2,155,963			2		1,827,689			21
Total shareholders' equity	312,841			313,853			—		314,773			(1)

SELECTED RATIOS ⁽¹⁾
Return on average assets	1.35		%	0.39		%	246	%	1.23		%	10	%
Return on average equity	11.17			3.19			250		8.64			29
Common equity ratio	12.15			11.73			4		14.19			(14)
Efficiency ratio ⁽²⁾	59.54			62.67			(5)		64.10			(7)
Average equity to average assets	12.12			12.24			(1)		14.20			(15)
Tier 1 leverage capital ratio ⁽³⁾	9.44			9.11			4		11.12			(15)
Total risk-based capital ratio ⁽³⁾	15.29			14.83			3		15.25			—
Net interest margin ⁽⁴⁾	3.82			3.76			2		4.12			(7)



SELECTED NON-GAAP RATIOS ⁽¹⁾
Tangible common equity ratio ⁽⁵⁾	9.93		%	9.54		%	4	%	11.60		%	(14)	%
Return on average tangible common equity ⁽⁶⁾	14.44			4.45			224		11.39			27

PER SHARE DATA
Earnings per share - basic	$	1.01		$	0.29		248	%	$	0.76		33	%
Earnings per share - diluted	1.01			0.29			248		0.75			35
Book value at period end	35.48			34.50			3		33.72			5
Tangible book value at period end	28.30			27.39			3		26.77			6
Shares outstanding at period end	8,831,406			8,966,101			(2)		9,331,099			(5)
Weighted average shares outstanding
Basic	8,627,318			8,701,730			(1)	%	9,058,600			(5)	%
Diluted	8,651,066			8,730,437			(1)		9,107,167			(5)

(1)With the exception of end-of-period ratios, all ratios are based on average daily balances during the respective periods. (2)The efficiency ratio represents noninterest expense as a percentage of total revenues. Total revenues is the sum of net interest income and noninterest income. (3)Capital ratios are preliminary end-of-period ratios for the Bank only and are subject to change. (4)Net interest margin represents net interest income as a percentage of average interest-earning assets. Taxable equivalent yields are calculated using a marginal tax rate of 21%. (5)Tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. See "Non-GAAP Reconciliation" for additional information. (6)Return on average tangible common equity is net income plus amortization of core deposit intangible, net of taxes, divided by average common shareholders' equity less average intangible assets. See "Non-GAAP Reconciliation" for additional information.


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION
(Unaudited)
	September 30, 2020											June 30, 2020										September 30, 2019
(dollars in thousands)	Originated		Acquired		Total			Originated		Acquired		Total			Originated		Acquired		Total
CREDIT QUALITY ^{(1) (2)}
Nonaccrual loans⁽³⁾	$	12,204	$	10,639	$	22,843		$	14,126	$	10,966	$	25,092		$	13,221	$	11,785	$	25,006
Accruing loans past due 90 days and over	10		—		10			—		906		906			—		—		—
Total nonperforming loans	12,214		10,639		22,853			14,126		11,872		25,998			13,221		11,785		25,006
Foreclosed assets and ORE	956		1,029		1,985			1,060		914		1,974			712		1,880		2,592
Total nonperforming assets	13,170		11,668		24,838			15,186		12,786		27,972			13,933		13,665		27,598
Performing troubled debt restructurings	910		480		1,390			917		457		1,374			1,712		213		1,925
Total nonperforming assets and troubled debt restructurings	$	14,080	$	12,148	$	26,228		$	16,103	$	13,243	$	29,346		$	15,645	$	13,878	$	29,523

Nonperforming assets to total assets					0.96		%					1.06		%					1.24		%
Nonperforming loans to total assets					0.89							0.99							1.13
Nonperforming loans to total loans					1.17							1.32							1.46
Allowance for loan losses to nonperforming assets					132.87							120.92							63.77
Allowance for loan losses to nonperforming loans					144.41							130.10							70.38
Allowance for loan losses to total loans					1.69							1.72							1.03
Allowance for credit losses to total loans⁽⁴⁾					1.87							1.91							1.03

Year-to-date loan charge-offs					$	2,522						$	1,627						$	1,118
Year-to-date loan recoveries					295							221							67
Year-to-date net loan charge-offs					$	2,227						$	1,406						$	1,051
Annualized YTD net loan charge-offs to average loans					0.15		%					0.15		%					0.08		%
(1)Nonperforming loans consist of nonaccruing loans and accruing loans 90 days or more past due. Due to the adoption of CECL, PCD loans of $2.1 million are included in nonperforming loans at September 30, 2020 and June 30, 2020. Prior to January 1, 2020, these loans were classified as PCI and excluded from nonperforming loans because they continued to earn interest income from the accretable yield at the pool level. With the adoption of CECL, the pools were discontinued and performance is based on contractual terms for individual loans. (2)It is our policy to cease accruing interest on loans 90 days or more past due. Nonperforming assets consist of nonperforming loans, foreclosed assets and surplus real estate (ORE). Foreclosed assets consist of assets acquired through foreclosure or acceptance of title in-lieu of foreclosure. ORE consists of closed or unused bank buildings. (3)Nonaccrual loans include originated restructured loans placed on nonaccrual totaling $7.2 million, $8.1 million and $8.8 million at September 30, 2020, June 30, 2020 and September 30, 2019, respectively. Acquired restructured loans placed on nonaccrual totaled $1.2 million, $2.2 million and $2.0 million at September 30, 2020, June 30, 2020 and September 30, 2019, respectively. (4)The allowance for credit losses includes $3.6 million for unfunded lending commitments at September 30, 2020 and June 30, 2020. The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.

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LA 001-34190 71-1051785 503 Kaliste Saloom Road Lafayette LA 70508 337 237-1960 false false false false Common Stock HBCP NASDAQ false XML 10 R1.htm IDEA: XBRL DOCUMENT

Cover	Oct. 27, 2020
Cover [Abstract]
Document Type	8-K
Document Period End Date	Oct. 27, 2020
Entity Registrant Name	Home Bancorp, Inc.
Entity Incorporation, State or Country Code	LA
Entity File Number	001-34190
Entity Tax Identification Number	71-1051785
Entity Address, Address Line One	503 Kaliste Saloom Road
Entity Address, City or Town	Lafayette
Entity Address, State or Province	LA
Entity Address, Postal Zip Code	70508
City Area Code	337
Local Phone Number	237-1960
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock
Trading Symbol	HBCP
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false
Entity Central Index Key	0001436425
Amendment Flag	false

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