0001436425-23-000013.txt : 20230418 0001436425-23-000013.hdr.sgml : 20230418 20230418095434 ACCESSION NUMBER: 0001436425-23-000013 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230418 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230418 DATE AS OF CHANGE: 20230418 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HOME BANCORP, INC. CENTRAL INDEX KEY: 0001436425 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 711051785 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: 23825720 BUSINESS ADDRESS: STREET 1: 503 KALISTE SALOOM ROAD CITY: LAFAYETTE STATE: LA ZIP: 70508 BUSINESS PHONE: (337) 237-1960 MAIL ADDRESS: STREET 1: 503 KALISTE SALOOM ROAD CITY: LAFAYETTE STATE: LA ZIP: 70508 8-K 1 hbcp-20230418.htm 8-K hbcp-20230418
503 Kaliste Saloom RoadLafayetteLouisiana337237-1960April 18, 20230001436425FALSE00014364252023-04-182023-04-18

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)April 18, 2023
Home Bancorp, Inc.
(Exact name of registrant as specified in its charter)
Louisiana001-3419071-1051785
(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 classTrading symbol(s)Name of each exchange on which registered
Common StockHBCPNasdaq 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 2.02Results of Operations and Financial Condition
 
On April 18, 2023, the Registrant announced its results of operations for the quarter ended March 31, 2023. 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 8.01Other Events

On April 18, 2023, the Registrant announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.25 per share. The cash dividend will be paid on May 12, 2023 to shareholders of record at the close of business on May 1, 2023.


Item 9.01Financial Statements and Exhibits

(a)Not applicable.
(b)Not applicable.
(c)Not applicable.
(d)Exhibits

The following exhibit is filed herewith.
Exhibit Number Description
 
104The cover page of Home Bancorp Inc.'s Form 8-K is formatted in Inline XBRL.
 



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:  April 18, 2023
By:/s/ John W. Bordelon 
  John W. Bordelon 
  Chairman of the Board, President and Chief Executive Officer 

 
 


 EX-99.1 2 a2023q1earningsrelease.htm EX-99.1 Document


homebancorp.jpg

For further information contact:
John W. Bordelon, Chairman of the Board, President and CEO
(337) 237-1960

Release Date:April 18, 2023
For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2023 FIRST 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 first quarter of 2023. For the quarter, the Company reported net income of $11.3 million, or $1.39 per diluted common share (“diluted EPS”), up $544,000 from $10.8 million, or $1.32 diluted EPS, for the fourth quarter of 2022.

“The headlines for the quarter focused on two well publicized bank failures which don't tell the whole story," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "Home Bancorp is well capitalized and has appropriate liquidity to meet our customer needs. We continue to attract outstanding commercial talent in various markets throughout our footprint while maintaining a strong credit discipline. Loan growth moderated in the first quarter of 2023 due in part to market volatility. Loans increased approximately 1.5% in 2023 resulting in a net loan growth, excluding PPP, for the seventh consecutive quarter. As we move forward in 2023, we remain committed to providing exceptional service to our new and existing customers. The Company is well positioned for the remainder of 2023.”


First Quarter 2023 Highlights

•Loans totaled $2.5 billion at March 31, 2023, up $35.6 million, or 1.5%, or 6% annualized, from December 31, 2022.

•Net interest income totaled $31.6 million, down $1.7 million, or 5% from the prior quarter.

•The net interest margin ("NIM") decreased 20 basis points from 4.38% for the fourth quarter of 2022 to 4.18%.

•The Company recorded a $814,000 provision to the allowance for loan losses primarily due to loan growth.

•Nonperforming assets totaled $11.3 million, or 0.35% of total assets, up $336,000, or 3%, from $11.0 million, or 0.34% of total assets, at December 31, 2022 primarily due to one credit relationship being downgraded to substandard.



1
    
Loans

Loans totaled $2.5 billion at March 31, 2023, up $35.6 million, or 1%, from December 31, 2022. PPP loans, included in commercial and industrial loans, decreased $466,000, or 7%, from December 31, 2022. The following table summarizes the changes in the Company’s loan portfolio, net of unearned income, from December 31, 2022 to March 31, 2023.

(dollars in thousands)3/31/202312/31/2022Increase (Decrease)
Real estate loans:




One- to four-family first mortgage$405,638 $389,616 $16,022 4 %
Home equity loans and lines64,107 61,863 2,244 4 
Commercial real estate1,162,367 1,152,537 9,830 1 
Construction and land318,622 313,175 5,447 2 
Multi-family residential102,604 100,588 2,016 2 
Total real estate loans2,053,338 2,017,779 35,559 2 
Other loans:



Commercial and industrial379,119 377,894 1,225 — 
Consumer33,935 35,077 (1,142)(3)
Total other loans413,054 412,971 83 — 
Total loans$2,466,392 $2,430,750 $35,642 1 %

The average loan yield was 5.67% for the first quarter of 2023, up 24 basis points from the fourth quarter of 2022. Loan growth during the first quarter of 2023 was across all loan types with the exception of consumer. One- to four-family first mortgage loan growth for the current quarter was primarily in our Acadiana, New Orleans and Southwest Louisiana markets. The growth in commercial real estate and construction loans was primarily within our Houston and Northshore markets.

Credit Quality and Allowance for Credit Losses

Nonperforming assets (“NPAs”) totaled $11.3 million, or 0.35% of total assets, at March 31, 2023, up $336,000, or 3%, from $11.0 million, or 0.34% of total assets, at December 31, 2022. During the first quarter of 2023, the Company recorded net loan recoveries of $5,000, compared to net loan charge-offs of $39,000 during the fourth quarter of 2022.

The Company provisioned $814,000 to the allowance for loan losses in the first quarter of 2023. At March 31, 2023, the allowance for loan losses totaled $30.1 million, or 1.22% of total loans, compared to $29.3 million, or 1.21% of total loans, at December 31, 2022. Provisions to the allowance for loan losses are based upon, among other factors, our estimation of current expected losses in our loan portfolio, which we evaluate on a quarterly basis. Changes in expected losses consider various factors including the changing economic activity, potential mitigating effects of governmental stimulus, borrower specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors.

2
    
The following tables present the Company’s loan portfolio by credit quality classification as of March 31, 2023 and December 31, 2022.
March 31, 2023
(dollars in thousands)PassSpecial MentionSubstandardTotal
One- to four-family first mortgage
$401,296 $1,224 $3,118 $405,638 
Home equity loans and lines64,076 — 31 64,107 
Commercial real estate1,148,828 340 13,199 1,162,367 
Construction and land311,638 5,431 1,553 318,622 
Multi-family residential99,221 — 3,383 102,604 
Commercial and industrial374,364 2,783 1,972 379,119 
Consumer33,672 — 263 33,935 
Total$2,433,095 $9,778 $23,519 $2,466,392 
December 31, 2022
(dollars in thousands)PassSpecial MentionSubstandardTotal
One- to four-family first mortgage
$385,199 $1,194 $3,223 $389,616 
Home equity loans and lines61,830 — 33 61,863 
Commercial real estate1,138,584 524 13,429 1,152,537 
Construction and land312,008 520 647 313,175 
Multi-family residential97,202 3,312 74 100,588 
Commercial and industrial372,775 1,533 3,586 377,894 
Consumer34,543 — 534 35,077 
Total$2,402,141 $7,083 $21,526 $2,430,750 


Investment Securities

The Company's investment securities portfolio totaled $467.6 million at March 31, 2023, a decrease of $20.0 million, or 4% from December 31, 2022. During the first quarter 2023, the Company recorded a net loss of $249,000 related to the sale of available-for-sale investment securities totaling $14.0 million of securities. At March 31, 2023, the Company had a net unrealized loss position on its investment securities of $47.1 million, compared to a net unrealized loss of $54.8 million at December 31, 2022. The Company’s investment securities portfolio had an effective duration of 4.5 years at March 31, 2023 and December 31, 2022.

3
    

The following table summarizes the composition of the Company's investment securities portfolio at March 31, 2023.
(dollars in thousands)Amortized CostFair Value
Available for sale:
U.S. agency mortgage-backed$341,049 $307,381 
Collateralized mortgage obligations88,800 84,887 
Municipal bonds56,426 48,556 
U.S. government agency20,301 19,322 
Corporate bonds6,980 6,360 
Total available for sale$513,556 $466,506 
Held to maturity:
Municipal bonds$1,070 $1,069 
Total held to maturity$1,070 $1,069 

Approximately 38% of the investment securities portfolio was pledged as of March 31, 2023. As of March 31, 2023 and December 31, 2022, the Company had $146.5 million and $170.0 million, respectively, of securities pledged to secure public deposits.

Deposits

Total deposits were $2.6 billion at March 31, 2023, down $75.4 million, or 3%, from December 31, 2022. Non-maturity deposits decreased $111.9 million, or 5% during the first quarter of 2023 to $2.2 billion. The following table summarizes the changes in the Company’s deposits from December 31, 2022 to March 31, 2023.

(dollars in thousands)

3/31/202312/31/2022Increase (Decrease)
Demand deposits$854,736 $904,301 $(49,565)(5)%
Savings288,788 305,871 (17,083)(6)
Money market384,809 423,990 (39,181)(9)
NOW657,499 663,574 (6,075)(1)
Certificates of deposit371,912 335,445 36,467 11 
Total deposits$2,557,744 $2,633,181 $(75,437)(3)%

The average rate on interest-bearing deposits increased 33 basis points from 0.44% for the fourth quarter of 2022 to 0.77% for the first quarter of 2023. At March 31, 2023, certificates of deposit maturing within the next 12 months totaled $305.1 million.

We obtain most of our deposits from individuals, small businesses and public funds in our market areas. The following table presents our deposits per customer type for the periods indicated.

March 31, 2023December 31, 2022
Individuals51%51%
Small businesses3940
Public funds87
Broker 22
Total100%100%
The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $778.0 million at March 31, 2023 and $830.9 million at December 31, 2022. Public funds in excess of the FDIC insurance limits are fully collateralized.
4
    

Net Interest Income

The net interest margin ("NIM") decreased 20 basis points from 4.38% for the fourth quarter of 2022 to 4.18% for the first quarter of 2023 primarily due to an increase in the average cost of interest-bearing liabilities, which was partially offset with an increase in the average yield on interest-earning assets. The increase in average cost of interest-bearing liabilities was primarily due to the higher costs on short-term FHLB borrowings and deposits in the first quarter of 2023.

The average loan yield was 5.67% for the first quarter of 2023, up 24 basis points from the fourth quarter of 2022 primarily reflecting increased market rates of interest on variable loans coupled with new loan originations at higher market rates during the period.

Average other interest-earning assets were $53.5 million for the first quarter of 2023, down $8.8 million, or 14%, from the fourth quarter of 2022 primarily due to a reallocation of certain other interest-earning assets to partially fund the increase in loans.

Unrecognized PPP lender fees totaled $84,000 at March 31, 2023. Loan accretion income from acquired loans totaled $668,000 for the first quarter of 2023, down $82,000, or 11% from the fourth quarter of 2022.

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%.

Quarter Ended

3/31/202312/31/2022
(dollars in thousands)Average BalanceInterestAverage Yield/ RateAverage BalanceInterestAverage Yield/ Rate
Interest-earning assets:






Loans receivable$2,437,770 $34,498 5.67 %$2,374,065 $32,826 5.43 %
Investment securities (TE)
535,195 3,142 2.38 549,961 3,214 2.37 
Other interest-earning assets53,456 475 3.60 62,240 555 3.54 
Total interest-earning assets$3,026,421 $38,115 5.05 %$2,986,266 $36,595 4.82 %
Interest-bearing liabilities:






Deposits:






Savings, checking, and money market$1,349,185 $2,048 0.62 %$1,431,577 $1,463 0.41 %
Certificates of deposit349,683 1,192 1.38 338,389 486 0.57 
Total interest-bearing deposits1,698,868 3,240 0.77 1,769,966 1,949 0.44 
Other borrowings5,539 53 3.89 5,539 53 3.80 
Subordinated debt54,041 851 6.30 53,984 851 6.30 
FHLB advances215,478 2,376 4.41 54,620 456 3.28 
Total interest-bearing liabilities$1,973,926 $6,520 1.33 %$1,884,109 $3,309 0.70 %
Net interest spread (TE)


3.72 %


4.12 %
Net interest margin (TE)


4.18 %


4.38 %

Noninterest Income

Noninterest income for the first quarter of 2023 totaled $3.3 million, down $28,000, or 1%, from the fourth quarter of 2022. The decrease was related primarily to a net loss on sale of securities totaling $249,000 during the first quarter of 2023, which was partially offset by an increase in bank card fees of $221,000 for the first quarter of 2023 compared to the fourth quarter of 2022.


5
    
Noninterest Expense

Noninterest expense for the first quarter of 2023 totaled $19.9 million, down $1.2 million, or 6%, from the fourth quarter of 2022. The decrease was primarily related to lower expenses in foreclosed assets ($769,000 primarily due to a recovery of a previous loss), compensation and benefits expense (down $441,000), marketing and advertising expenses (down $243,000) and franchise and shares tax expense (down $152,000), which were offset with an increase in provision for unfunded commitments.(up $380,000) during the first quarter of 2023.

Capital and Liquidity

At March 31, 2023, shareholders’ equity totaled $345.1 million, up $15.1 million, or 5%, compared to $330.0 million at December 31, 2022. The increase was primarily due to the Company’s earnings of $11.3 million in the quarter and a $5.5 million reduction in the accumulated other comprehensive loss on available for sale investment securities during the first quarter of 2023. The market value of the Company's available for sale securities at March 31, 2023 increased $7.7 million, or 14%, compared to $54.8 million at December 31, 2022. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 10.69% and 14.00%, respectively, at March 31, 2023, compared to 10.43% and 13.63%, respectively, at December 31, 2022.

The following table summarizes the Company's primary and secondary sources of liquidity which were available at March 31, 2023.
(dollars in thousands)March 31, 2023
Cash and cash equivalents$107,171 
Unpledged investment securities, amortized cost(1)
352,077 
FHLB advance availability(1)
913,921 
Amounts available from unsecured lines of credit55,000 
Federal Reserve discount window availability(1)
500 
Total primary and secondary sources of available liquidity$1,428,669 
________________________
(1) Approximately $148.2 million of securities were moved in April 2023 from Federal Home Loan Bank to the Federal Reserve for future discount window availability at the Federal Reserve.

Dividend and Share Repurchases

The Company announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.25 per share payable on May 12, 2023, to shareholders of record as of May 1, 2023.

The Company repurchased 10,199 shares of its common stock during the first quarter of 2023 at an average price per share of $32.81. An additional 185,519 shares remain eligible for purchase under the 2021 Repurchase Plan. The book value per share and tangible book value per share of the Company’s common stock was $41.66 and $31.09, respectively, at March 31, 2023.
6
    
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, PPP loans and certain acquisition related metrics. 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.


Quarter Ended
(dollars in thousands, except per share data)3/31/202312/31/20223/31/2022
Reported net income$11,320 $10,776 $4,401 
Add: Core deposit intangible amortization, net tax352 350 199 
Non-GAAP tangible income$11,672 $11,126 $4,600 
Total assets$3,266,970 $3,228,280 $3,332,228 
Less: Intangible assets87,527 87,973 87,569 
Non-GAAP tangible assets$3,179,443 $3,140,307 $3,244,659 




Total shareholders’ equity$345,100 $329,954 $337,504 
Less: Intangible assets87,527 87,973 87,569 
Non-GAAP tangible shareholders’ equity$257,573 $241,981 $249,935 
Return on average equity13.53 %13.23 %5.08 %
Add: Average intangible assets5.29 5.52 1.39 
Non-GAAP return on average tangible common equity18.82 %18.75 %6.47 %




Common equity ratio10.56 %10.22 %10.13 %
Less: Intangible assets2.46 2.51 2.43 
Non-GAAP tangible common equity ratio8.10 %7.71 %7.70 %




Book value per share$41.66 $39.82 $39.93 
Less: Intangible assets10.57 10.62 10.36 
Non-GAAP tangible book value per share$31.09 $29.20 $29.57 

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, 2022 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.
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HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF FINANCIAL CONDITION
(Unaudited)
(dollars in thousands)3/31/202312/31/2022% Change3/31/2022
Assets
Cash and cash equivalents$107,171 $87,401 23 %$548,019 
Interest-bearing deposits in banks349 349 — 349 
Investment securities available for sale, at fair value466,506 486,518 (4)415,260 
Investment securities held to maturity1,070 1,075 — 2,094 
Mortgage loans held for sale473 98 383 4,187 
Loans, net of unearned income2,466,392 2,430,750 1 2,157,969 
Allowance for loan losses(30,118)(29,299)3 (26,731)
Total loans, net of allowance for loan losses2,436,274 2,401,451 1 2,131,238 
Office properties and equipment, net42,844 43,560 (2)43,929 
Cash surrender value of bank-owned life insurance46,528 46,276 1 40,575 
Goodwill and core deposit intangibles87,527 87,973 (1)87,569 
Accrued interest receivable and other assets78,228 73,579 6 59,008 
Total Assets$3,266,970 $3,228,280 1 $3,332,228 
Liabilities
Deposits$2,557,744 $2,633,181 (3)%$2,941,179 
Other Borrowings5,539 5,539 — 5,539 
Subordinated debt, net of issuance cost54,073 54,013 — — 
Federal Home Loan Bank advances276,727 176,213 57 25,671 
Accrued interest payable and other liabilities27,787 29,380 (5)22,335 
Total Liabilities2,921,870 2,898,326 1 2,994,724 
Shareholders' Equity
Common stock83 83 — 85 
Additional paid-in capital165,470 164,942 — 164,830 
Common stock acquired by benefit plans(1,969)(2,060)4 (2,332)
Retained earnings215,290 206,296 4 188,386 
Accumulated other comprehensive loss(33,774)(39,307)14 (13,465)
Total Shareholders' Equity345,100 329,954 5 337,504 
Total Liabilities and Shareholders' Equity$3,266,970 $3,228,280 1 $3,332,228 

8
    
HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)
Quarter Ended
(dollars in thousands, except per share data)3/31/202312/31/2022% Change3/31/2022% Change
Interest Income
Loans, including fees$34,498 $32,826 5 %$22,671 52 %
Investment securities3,142 3,214 (2)1,618 94 
Other investments and deposits
475 555 (14)277 71 
Total interest income38,115 36,595 4 24,566 55 
Interest Expense
Deposits3,240 1,949 66 %893 263 %
Other borrowings53 53 — 53 — 
Subordinated debt expense851 851 — — — 
Federal Home Loan Bank advances
2,376 456 421 109 2080 
Total interest expense6,520 3,309 97 1,055 518 
Net interest income31,595 33,286 (5)23,511 34 
Provision for loan losses814 1,987 (59)3,215 (75)
Net interest income after provision for loan losses30,781 31,299 (2)20,296 52 
Noninterest Income
Service fees and charges1,250 1,198 4 %1,165 7 %
Bank card fees1,787 1,566 14 1,454 23 
Gain on sale of loans, net57 22 159 299 (81)
Income from bank-owned life insurance
253 257 (2)214 18 
Loss on sale of securities, net(249)— — — — 
(Loss) gain on sale of assets, net(17)9 (289)5 (440)
Other income230 287 (20)249 (8)
Total noninterest income3,311 3,339 (1)3,386 (2)
Noninterest Expense
Compensation and benefits12,439 12,880 (3)%10,159 22 %
Occupancy2,350 2,261 4 1,803 30 
Marketing and advertising307 550 (44)407 (25)
Data processing and communication
2,321 2,295 1 2,195 6 
Professional fees364 392 (7)542 (33)
Forms, printing and supplies187 182 3 146 28 
Franchise and shares tax541 693 (22)391 38 
Regulatory fees539 511 5 446 21 
Foreclosed assets, net(739)30 (2563)402 (284)
Amortization of acquisition intangible
446 443 1 252 77 
Provision for credit losses on unfunded commitments210 (170)224 302 (30)
Other expenses975 1,114 (12)1,195 (18)
Total noninterest expense19,940 21,181 (6)18,240 9 
Income before income tax expense
14,152 13,457 5 5,442 160 
Income tax expense2,832 2,681 6 1,041 172 
Net income$11,320 $10,776 5 $4,401 157 
Earnings per share - basic$1.40 $1.33 5 %$0.53 164 %
Earnings per share - diluted$1.39 $1.32 5 %$0.53 162 %
Cash dividends declared per common share
$0.25 $0.24 4 %$0.23 9 %

9
    
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)
Quarter Ended
(dollars in thousands, except per share data)3/31/202312/31/2022% Change3/31/2022% Change
EARNINGS DATA
Total interest income$38,115 $36,595 4 %$24,566 55 %
Total interest expense6,520 3,309 97 1,055 518 
Net interest income31,595 33,286 (5)23,511 34 
Provision for loan losses814 1,987 (59)3,215 (75)
Total noninterest income3,311 3,339 (1)3,386 (2)
Total noninterest expense19,940 21,181 (6)18,240 9 
Income tax expense2,832 2,681 6 1,041 172 
Net income$11,320 $10,776 5 $4,401 157 
AVERAGE BALANCE SHEET DATA
Total assets$3,219,856 $3,173,676 1 %$2,977,559 8 %
Total interest-earning assets3,026,421 2,986,266 1 2,783,614 9 
Total loans2,437,770 2,374,065 3 1,862,616 31 
PPP loans6,386 6,883 (7)31,326 (80)
Total interest-bearing deposits1,698,868 1,769,966 (4)1,779,832 (5)
Total interest-bearing liabilities1,973,926 1,884,109 5 1,811,166 9 
Total deposits2,578,369 2,707,823 (5)2,576,378 — 
Total shareholders' equity339,311 323,102 5 351,337 (3)
PER SHARE DATA
Earnings per share - basic$1.40 $1.33 5 %$0.53 164 %
Earnings per share - diluted1.39 1.32 5 0.53 162 
Book value at period end41.66 39.82 5 39.93 4 
Tangible book value at period end31.09 29.20 6 29.57 5 
Shares outstanding at period end8,284,130 8,286,084 — 8,453,014 (2)
Weighted average shares outstanding
Basic8,087,524 8,070,734 — %8,270,209 (2)%
Diluted8,136,583 8,119,481 — 8,336,561 (2)
SELECTED RATIOS (1)
Return on average assets1.43 %1.35 %6 %0.60 %138 %
Return on average equity13.53 13.23 2 5.08 166 
Common equity ratio10.56 10.22 3 10.13 4 
Efficiency ratio (2)
57.12 57.83 (1)67.81 (16)
Average equity to average assets10.54 10.18 4 11.80 (11)
Tier 1 leverage capital ratio (3)
10.69 10.43 2 8.67 23 
Total risk-based capital ratio (3)
14.00 13.63 3 12.28 14 
Net interest margin (4)
4.18 4.38 (5)3.39 23 
SELECTED NON-GAAP RATIOS (1)
Tangible common equity ratio (5)
8.10 %7.71 %5 %7.70 %5 %
Return on average tangible common equity (6)
18.82 18.75 — 6.47 191 

10
    
(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.
11
    
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION
(Unaudited)
3/31/202312/31/20223/31/2022
(dollars in thousands)OriginatedAcquiredTotalOriginatedAcquiredTotalOriginatedAcquiredTotal
CREDIT QUALITY (1)
Nonaccrual loans(2)
$5,546 $5,686 $11,232 $4,336 $6,177 $10,513 $5,515 $15,598 $21,113 
Accruing loans 90 days or more past due— — — 2 — 2 — — — 
Total nonperforming loans5,546 5,686 11,232 4,338 6,177 10,515 5,515 15,598 21,113 
Foreclosed assets and ORE— 80 80 151 310 461 536 729 1,265 
Total nonperforming assets5,546 5,766 11,312 4,489 6,487 10,976 6,051 16,327 22,378 
Performing troubled debt restructurings4,230 1,583 5,813 4,600 1,605 6,205 3,797 1,100 4,897 
Total nonperforming assets and troubled debt restructurings$9,776 $7,349 $17,125 $9,089 $8,092 $17,181 $9,848 $17,427 $27,275 
Nonperforming assets to total assets0.35 %0.34 %0.67 %
Nonperforming loans to total assets 0.34 0.33 0.63 
Nonperforming loans to total loans 0.46 0.43 0.98 
(1)It is our policy to cease accruing interest on loans 90 days or more past due, with certain limited exceptions. 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.
(2)Nonaccrual loans include originated restructured loans placed on nonaccrual totaling $3.0 million, $3.1 million and $3.6 million at March 31, 2023, December 31, 2022 and March 31, 2022, respectively. Acquired restructured loans placed on nonaccrual totaled $3.2 million, $3.7 million and $3.0 million at March 31, 2023, December 31, 2022 and March 31, 2022, respectively.

12
    
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION - CONTINUED
(Unaudited)
3/31/202312/31/20223/31/2022
Collectively EvaluatedIndividually EvaluatedTotalCollectively EvaluatedIndividually EvaluatedTotalCollectively EvaluatedIndividually EvaluatedTotal
ALLOWANCE FOR CREDIT LOSSES
One- to four-family first mortgage$3,356 $— $3,356 $2,883 $— $2,883 $2,056 $— $2,056 
Home equity loans and lines753 — 753 624 — 624 539 — 539 
Commercial real estate13,344 450 13,794 13,264 550 13,814 12,878 2,324 15,202 
Construction and land4,921 — 4,921 4,680 — 4,680 4,112 — 4,112 
Multi-family residential608 — 608 572 — 572 554 — 554 
Commercial and industrial5,831 143 5,974 5,853 171 6,024 3,200 440 3,640 
Consumer712 — 712 702 — 702 628 — 628 
Total allowance for credit losses$29,525 $593 $30,118 $28,578 $721 $29,299 $23,967 $2,764 $26,731 
Unfunded lending commitments(3)
2,303 — 2,303 2,093 — 2,093 2,117 — 2,117 
Total allowance for credit losses$31,828 $593 $32,421 $30,671 $721 $31,392 $26,084 $2,764 $28,848 
Allowance for loan losses to nonperforming assets266.25 %266.94 %119.45 %
Allowance for loan losses to nonperforming loans268.14 %278.64 %126.61 %
Allowance for loan losses to total loans1.22 %1.21 %1.24 %
Allowance for credit losses to total loans1.31 %1.29 %1.34 %
Year-to-date loan charge-offs$93 $1,398 $316 
Year-to-date loan recoveries98 704 465 
Year-to-date net loan recoveries (charge-offs)$5 $(694)$149 
Annualized YTD net loan recoveries (charge-offs) to average loans— %(0.03)%0.03 %
(3)The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.
13
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Cover
Apr. 18, 2023
Cover [Abstract]  
Document Type 8-K
Document Period End Date Apr. 18, 2023
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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