0001437749-22-001829.txt : 20220128 0001437749-22-001829.hdr.sgml : 20220128 20220128110102 ACCESSION NUMBER: 0001437749-22-001829 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20220127 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220128 DATE AS OF CHANGE: 20220128 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HMN FINANCIAL INC CENTRAL INDEX KEY: 0000921183 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 411777397 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-24100 FILM NUMBER: 22566068 BUSINESS ADDRESS: STREET 1: 1016 CIVIC CENTER DRIVE NORTHWEST CITY: ROCHESTER STATE: MN ZIP: 55901 BUSINESS PHONE: 5075351200 MAIL ADDRESS: STREET 1: 1016 CIVIC CENTER DRIVE NW CITY: ROCHESTER STATE: MN ZIP: 55901 8-K 1 hmnf20220125_8k.htm FORM 8-K hmnf20220125_8k.htm
false 0000921183 0000921183 2022-01-27 2022-01-27
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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): January 27, 2022
 
HMN Financial, Inc.
(Exact Name of Registrant as Specified in its Charter)
 
Delaware 
 
0-24100 
 
41-1777397 
(State or other jurisdiction
of incorporation)
  
(Commission
File Number)
  
(IRS Employer
Identification No.)
 
1016 Civic Center Drive Northwest  
Rochester, Minnesota 
 
55901
(Address of principal executive offices)
  
(Zip Code)
 
Registrant's telephone number, including area code (507) 535-1200

______________________________________________________________
(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:

☐ 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
HMNF
The Nasdaq Stock Market LLC
 
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. ☐
 
1
 
 
Item 2.02.        Results of Operation and Financial Condition.
 
On January 27, 2022, HMN Financial, Inc. (the “Company”) issued a press release (the “Press Release”) that included financial information for its quarter and full year ended December 31, 2021, a dividend declaration and announcement of its annual meeting. A copy of the Press Release is attached as Exhibit 99 to this Form 8-K and incorporated by reference into this Item 2.02. The information included in the Press Release is to be considered furnished under the Securities Exchange Act of 1934, as amended.
 
Item 9.01.        Financial Statements and Exhibits
 
(d) Exhibits
 
  Exhibit Number Description
  99 Press Release dated January 27, 2022
  104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
        
2
 
 
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.
 
 
 
HMN Financial, Inc.
  (Registrant)  
     
Date: January 27, 2022
/s/ Jon Eberle
 
  
 
 
Jon Eberle
  
  Senior Vice President,  
  Chief Financial Officer and Treasurer  
 
3
EX-99 2 ex_328180.htm EXHIBIT 99 ex_328180.htm
 

Exhibit 99

 

img01.jpg 1016 Civic Center Drive NW • Rochester, MN 55901 • Phone (507) 535-1200 • Fax (507) 535-1301

 

 

NEWS RELEASE  CONTACT:

Bradley Krehbiel

Chief Executive Officer, President

HMN Financial, Inc. (507) 252-7169

FOR IMMEDIATE RELEASE

 

HMN FINANCIAL, INC. ANNOUNCES FOURTH QUARTER RESULTS, DECLARES DIVIDEND AND ANNOUNCES ANNUAL MEETING

 

Fourth Quarter Highlights

●

Net income of $2.0 million, down $1.1 million from $3.1 million for fourth quarter of 2020

●

Diluted earnings per share of $0.45, down $0.22 from $0.67 for fourth quarter of 2020

●

Gain on sales of loans of $1.7 million, down $1.3 million from $3.0 million for fourth quarter of 2020

●

Net interest margin of 2.80%, down 71 basis points from 3.51% for fourth quarter of 2020

●

Provision for loan losses of $0.2 million, down $1.0 million from $1.2 million for fourth quarter of 2020

 

Annual Highlights

●

Net income of $13.6 million, up $3.3 million from $10.3 million for 2020

●

Diluted earnings per share of $3.01, up $0.79 from $2.22 for 2020

●

Gain on sales of loans of $6.6 million, down $2.9 million from $9.5 million for 2020

●

Net interest margin of 3.18%, down 37 basis points from 3.55% for 2020

●

Provision for loan losses of ($2.1) million, down $4.8 million from $2.7 million for 2020

 

Net Income Summary

  

Three Months Ended

    

Year Ended

  
   

December 31,

    

December 31,

  

(Dollars in thousands, except per share amounts)

  

2021

    

2020

    

2021

    

2020

  

Net income

   $ 1,999       3,125     $ 13,564       10,302  

Diluted earnings per share

     0.45       0.67       3.01       2.22  

Return on average assets (annualized)

     0.77 %     1.37 %     1.38 %     1.21 %

Return on average equity (annualized)

     7.11 %     12.18 %     12.62 %     10.56 %

Book value per share

   $ 24.11       21.65     $ 24.11       21.65  

 

ROCHESTER, MINNESOTA, January 27, 2022 - HMN Financial, Inc. (HMN or the Company) (Nasdaq:HMNF), the $1.1 billion holding company for Home Federal Savings Bank (the Bank), today reported net income of $2.0 million for the fourth quarter of 2021, a decrease of $1.1 million compared to net income of $3.1 million for the fourth quarter of 2020. Diluted earnings per share for the fourth quarter of 2021 was $0.45, a decrease of $0.22 from the diluted earnings per share of $0.67 for the fourth quarter of 2020. The decrease in net income between the periods was primarily because of a $1.3 million decrease in the gain on sales of loans due to the decrease in mortgage loan originations and sales, a $0.7 million decrease in net interest income due primarily to a decrease in the yield earned on interest-earning assets, and a $0.6 million increase in non-interest expenses primarily related to increases in compensation and legal expenses. These decreases in net income were partially offset by a $1.0 million decrease in the provision for loan losses. The provision for loan losses decreased primarily because of the reduction in the required reserves due to the reduced economic impact of the COVID-19 pandemic and the results of an internal analysis of the loan portfolio. Income tax expense decreased $0.5 million as a result of the decrease in pre-tax income between the periods.

 

1
 

 

President’s Statement

“We are pleased with the credit quality of our loan portfolio and the improving economic environment that allowed us to record a credit provision for loan losses for the year. The credit provision along with the PPP loans fees earned during the year were significant factors in the increase in our annual net income,” said Bradley Krehbiel, President and Chief Executive Officer of HMN. “We are also pleased with the asset growth that we continue to experience and the positive impact it had on our net interest income during the quarter and year.”

 

 

Fourth Quarter Results

Net Interest Income

Net interest income was $7.0 million for the fourth quarter of 2021, a decrease of $0.7 million, or 8.8%, from $7.7 million for the fourth quarter of 2020. Interest income was $7.4 million for the fourth quarter of 2021, a decrease of $0.9 million, or 10.9%, from $8.3 million for the fourth quarter of 2020. Interest income decreased despite the $121.7 million increase in the average interest-earning assets between the periods primarily because of the decrease in the average yield earned on interest-earning assets. The average yield earned on interest-earning assets was 2.93% for the fourth quarter of 2021, a decrease of 83 basis points from 3.76% for the fourth quarter of 2020. The decrease in the average yield is primarily related to the decrease in the prime rate that occurred in the first quarter of 2020, which lowered the rate on adjustable rate loans in the portfolio as well as any new or renewing fixed rate loans that were originated since that time.

Interest expense was $0.3 million for the fourth quarter of 2021, a decrease of $0.3 million, or 40.9%, from $0.6 million for the fourth quarter of 2020. Interest expense decreased despite the $121.0 million increase in the average interest-bearing liabilities and non-interest bearing deposits between the periods primarily because of the decrease in the average interest rate paid on deposits. The average interest rate paid on interest-bearing liabilities and non-interest bearing deposits was 0.14% for the fourth quarter of 2021, a decrease of 14 basis points from 0.28% for the fourth quarter of 2020. The decrease in the interest paid on interest-bearing liabilities was primarily because of the decrease in deposit rates as a result of the decrease in the federal funds rate in the first quarter of 2020. Net interest margin (net interest income divided by average interest-earning assets) for the fourth quarter of 2021 was 2.80%, a decrease of 71 basis points, compared to 3.51% for the fourth quarter of 2020. The decrease in the net interest margin is primarily related to the decrease in the average yield earned on interest-earning assets as a result of the decrease in the prime rate that occurred in the first quarter of 2020.

 

2
 

 

A summary of the Company’s net interest margin for the three month periods ended December 31, 2021 and 2020 is as follows:

 

   

For the three month period ended

  
   

December 31, 2021

    

December 31, 2020

  

(Dollars in thousands)

  

Average

Outstanding

Balance

    

Interest

Earned/

Paid

    

Yield/

Rate

    

Average

Outstanding

Balance

    

Interest

Earned/

Paid

    

Yield/

Rate

  

Interest-earning assets:

                                                

Securities available for sale

   $ 263,336       632       0.95

%

   $ 128,269       486       1.51

%

Loans held for sale

     5,430       44       3.23       8,334       59       2.84  

Single family loans, net

     166,633       1,443       3.44       139,836       1,350       3.84  

Commercial loans, net

     410,568       4,711       4.55       457,654       5,676       4.93  

Consumer loans, net

     41,963       497       4.70       57,311       683       4.74  

Other

     109,172       50       0.18       84,014       29       0.14  

Total interest-earning assets

   $ 997,102       7,377       2.93     $ 875,418       8,283       3.76  
                                                 

Interest-bearing liabilities:

                                                

Checking accounts

   $ 160,450       45       0.11     $ 145,626       49       0.13  

Savings accounts

     118,059       18       0.06       97,444       17       0.07  

Money market accounts

     267,363       148       0.22       220,404       156       0.28  

Certificate accounts

     88,048       119       0.54       105,121       336       1.27  

Total interest-bearing liabilities

   $ 633,920                     $ 568,595                  

Non-interest checking

     282,280                       226,786                  

Other non-interest bearing deposits

     2,066                       1,856                  

Total interest-bearing liabilities and non-interest bearing deposits

   $ 918,266       330       0.14     $ 797,237       558       0.28  

Net interest income

             7,047                       7,725          

Net interest rate spread

                     2.79

%

                     3.48

%

Net interest margin

                     2.80

%

                     3.51

%
                                                 

 

Provision for Loan Losses

The provision for loan losses was $0.2 million for the fourth quarter of 2021, a decrease of $1.0 million from the $1.2 million provision for loan losses for the fourth quarter of 2020. The provision for loan losses decreased primarily because of the reduction in the required reserves due to the reduced economic impact of the COVID-19 pandemic and the results of an internal analysis of the loan portfolio. During 2020, the Company increased its allowance for loan losses due to the changes in the economic environment related to the disruption in business activity as a result of the COVID-19 pandemic. The amount of the increase in the allowance for loan losses related to the economic environment was based, in part, on the amount of loans to borrowers in the hospitality, restaurant and entertainment industries that were negatively impacted by the COVID-19 pandemic. The underlying operations supporting many of the loans that were initially negatively impacted by the pandemic have improved and the amount of loans requiring accommodations decreased in 2021. At December 31, 2021, the Company had no loans with outstanding loan accommodations in accordance with Section 4013 of the Coronavirus Aid, Relief, and Economic Security (CARES) Act compared to $34.6 million of outstanding loans that had been granted accommodations at December 31, 2020.

The allowance for loan losses is made up of general reserves on the entire loan portfolio and specific reserves on impaired loans. The general reserve amount includes quantitative reserves based on our past loan loss history and qualitative reserves for other items determined to have a potential impact on future loan losses. The reserves decreased between the periods primarily because of a decrease in the qualitative reserves required as a result of the economic improvements related to the COVID-19 pandemic and a decrease in certain loan loss reserve percentages as a result of an internal analysis of the loan portfolio. Total non-performing assets were $4.9 million at December 31, 2021, an increase of $3.1 million, or 174.5%, from $1.8 million at September 30, 2021. Non-performing loans increased $2.8 million and foreclosed and repossessed assets increased $0.3 million during the fourth quarter of 2021. The increase in non-performing loans is primarily related to a $3.4 million hotel loan that was classified as non-performing during the quarter. The increase in the foreclosed and repossessed assets is related to a commercial property that was foreclosed on during the quarter.

 

3
 

 

A reconciliation of the Company’s allowance for loan losses for the quarters ended December 31, 2021 and 2020 is summarized as follows:

 

             

(Dollars in thousands)

 

2021

    

2020

  

Balance at September 30,

   $ 9,070       9,532  

Provision

     234       1,151  

Charge offs:

                

Commercial real estate

     (36 )     0  

Consumer

     0       (10 )

Recoveries

     11       26  

Balance at December 31,

   $ 9,279       10,699  
                 

Allocated to:

                

General allowance

   $ 8,873       10,461  

Specific allowance

     406       238  
    $ 9,279       10,699  
                 

 

The following table summarizes the amounts and categories of non-performing assets in the Bank’s portfolio and loan delinquency information as of the end of the two most recently completed quarters and December 31, 2020.

 

   

December 31,

    

September 30,

    

December 31,

  

(Dollars in thousands)

 

2021

    

2021

    

2020

  

Non‑Performing Loans:

                        

Single family

   $ 340     $ 423     $ 502  

Commercial real estate

     3,757       685       1,484  

Consumer

     517       673       689  

Commercial business

     7       7       9  

Total

     4,621       1,788       2,684  
                         

Foreclosed and Repossessed Assets:

                        

Commercial real estate

     290       0       636  

Total non‑performing assets

   $ 4,911     $ 1,788     $ 3,320  

Total as a percentage of total assets

     0.46

%

     0.17

%

     0.37

%

Total non-performing loans

   $ 4,621     $ 1,788     $ 2,684  

Total as a percentage of total loans receivable, net

     0.71

%

     0.29

%

     0.42

%

Allowance for loan losses to non-performing loans

     200.81

%

     507.15

%

     398.72

%
                         

Delinquency Data:

                        

Delinquencies (1)

                        

30+ days

   $ 1,418     $ 1,113     $ 995  

90+ days

     0       0       0  

Delinquencies as a percentage of loan portfolio (1)

                        

30+ days

     0.21

%

     0.17

%

     0.15

%

90+ days

     0.00

%

     0.00

%

     0.00

%
                         

(1) Excludes non-accrual loans.

 

Non-Interest Income and Expense

Non-interest income was $3.2 million for the fourth quarter of 2021, a decrease of $1.3 million, or 28.4%, from $4.5 million for the fourth quarter of 2020. Gain on sales of loans decreased $1.3 million between the periods primarily because of a decrease in single family loan originations and sales. This decrease in non-interest income was partially offset by an increase of $0.1 million in fees and service charges earned between the periods due primarily to an increase in debit card income due to an increase in the volume of transactions. Other non-interest income increased slightly due to an increase in the fees earned on the sale of uninsured investment products between the periods. Loan servicing fees increased slightly between the periods due to an increase in the aggregate balances of single family mortgage loans that were being serviced for others.

 

4
 

 

Non-interest expense was $7.3 million for the fourth quarter of 2021, an increase of $0.6 million, or 8.2%, from $6.7 million for the fourth quarter of 2020. Compensation and benefits expense increased $0.4 million because of an increase in incentives earned between the periods. Professional services expense increased $0.3 million between the periods primarily because of an increase in legal expenses relating to an ongoing bankruptcy litigation claim. These increases in non-interest expense were partially offset by a $0.1 million decrease in other non-interest expense due primarily to a decrease in loan related expenses as a result of the decreased mortgage loan production between the periods. Occupancy and equipment expense decreased slightly between the periods due to a decrease in building rent expense and data processing decreased slightly between the periods due to a decrease in equipment depreciation expense.

Income tax expense was $0.7 million for the fourth quarter of 2021, a decrease of $0.5 million from $1.2 million for the fourth quarter of 2020. The decrease in income tax expense between the periods is primarily the result of a decrease in pre-tax income.

 

Paycheck Protection Program (PPP)

The Bank actively participated in helping businesses that were negatively impacted by COVID-19 that applied for forgivable loans under the PPP as part of the CARES Act. The CARES Act was signed into law on March 27, 2020 to help small businesses that were negatively impacted by the COVID-19 pandemic. The Bank had the following activity related to the first round of the PPP through December 31, 2021:

 

 

(Dollars in thousands)

  

Number of

Loans

    

Amount

    

Net

Deferred

Fees

  

Originated

     413     $ 53,153       1,837  

Repaid

     (130 )     (19,484 )     -  

Net deferred fees recognized

     -       -       (1,097 )

Balance, December 31, 2020

     283       33,669       740  

Repaid

     (243 )     (21,419 )     -  

Net deferred fees recognized

     -       -       (597 )

Balance, March 31, 2021

     40       12,250       143  

Repaid

     (35 )     (11,334 )     -  

Net deferred fees recognized

     -       -       (126 )

Balance, June 30, 2021

     5       916       17  

Repaid

     (5 )     (916 )     -  

Net deferred fees recognized

     -       -       (17 )

Balance, September 30, 2021

     0     $ 0       0  
                         

 

The Consolidated Appropriations Act of 2021 was signed into law on December 27, 2020 and allocated $284 billion to the Small Business Administration (SBA) to fund a second round of the PPP. The Bank actively participated in the second round of the PPP and had the following activity through December 31, 2021:

 

(Dollars in thousands)

  

Number of

Loans

    

Amount

    

Net

Deferred

Fees

  

Originated

     416     $ 26,798       1,476  

Net deferred fees recognized

     -       -       (29 )

Balance, March 31, 2021

     416       26,798       1,447  

Originated

     50       2,167       149  

Repaid

     (182 )     (6,539 )     -  

Net deferred fees recognized

     -       -       (522 )

Balance, June 30, 2021

     284       22,426       1,074  

Repaid

     (232 )     (15,371 )     -  

Net deferred fees recognized

     -       -       (805 )

Balance, September 30, 2021

     52       7,055       269  

Repaid

     (45 )     (4,396 )     -  

Net deferred fees recognized

     -       -       (195 )

Balance, December 31, 2021

     7     $ 2,659       74  
                         

 

5
 

 

It is anticipated that the outstanding loans at December 31, 2021 will be forgiven by the SBA and the remaining net deferred fees will be recognized into income when the loans are repaid.

 

Return on Assets and Equity

Return on average assets (annualized) for the fourth quarter of 2021 was 0.77%, compared to 1.37% for the fourth quarter of 2020. Return on average equity (annualized) was 7.11% for the fourth quarter of 2021, compared to 12.18% for the same period of 2020. Book value per share at December 31, 2021 was $24.11, compared to $21.65 at December 31, 2020.

 

 

Annual Results

Net Income

Net income was $13.6 million for 2021, an increase of $3.3 million, or 31.7%, compared to net income of $10.3 million for 2020. Diluted earnings per share for the year ended December 31, 2021 was $3.01, an increase of $0.79 per share, compared to diluted earnings per share of $2.22 for the year ended December 31, 2020. The increase in net income between the periods was primarily because of a $4.8 million decrease in the provision for loan losses. The provision for loan losses decreased primarily because of the reduction in the required reserves due to the reduced economic impact of the COVID-19 pandemic and the results of an internal analysis of the loan portfolio. Other non-interest income increased $1.7 million due primarily to an increase in the gains that were realized on the sale of real estate owned. Net interest income increased $1.1 million primarily due to an increase in the yield enhancements that were realized on PPP loans that were repaid during the period. These increases in net income were partially offset by a $3.0 million decrease in the gain on sales of mortgage loans due to a decrease in mortgage loan activity between the periods. Compensation expense increased $0.5 million due primarily to an increase in incentives earned between the periods. Income tax expense also increased $1.3 million as a result of the increased pre-tax income between the periods.

 

Net Interest Income

Net interest income was $30.2 million for 2021, an increase of $1.1 million, or 3.8%, from $29.1 million for 2020. Interest income was $31.8 million for 2021, a decrease of $0.2 million, or 0.6%, from $32.0 million for 2020. Interest income decreased despite the $2.3 million in yield enhancements that were recognized on PPP loans during the period and the $130.8 million increase in the average interest-earning assets between the periods. These increases in interest income were entirely offset by a decrease in the average yield earned on interest-earning assets which was 3.34% for 2021, a decrease of 56 basis points from 3.90% for 2020. The decrease in the average yield is primarily related to the decrease in the prime rate that occurred in the first quarter of 2020, which lowered the rate on adjustable rate loans in the portfolio as well as any new or renewing fixed rate loans that were originated since that time.

Interest expense was $1.6 million for 2021, a decrease of $1.3 million, or 45.5%, from $2.9 million for 2020. Interest expense decreased despite the $123.1 million increase in the average interest-bearing liabilities and non-interest bearing deposits between the periods primarily because of the decrease in the average interest rate paid on deposits. The average interest rate paid on interest-bearing liabilities and non-interest bearing deposits was 0.18% for 2021, a decrease of 20 basis points from 0.38% for 2020. The decrease in the interest paid on interest-bearing liabilities was primarily because of the decrease in deposit rates as a result of the decrease in the federal funds rate in the first quarter of 2020. Net interest margin (net interest income divided by average interest-earning assets) for 2021 was 3.18%, a decrease of 37 basis points, compared to 3.55% for 2020. The decrease in the net interest margin is primarily related to the decrease in the average yield earned on interest-earning assets as a result of the decrease in the prime rate that occurred in the first quarter of 2020.

 

6
 

 

A summary of the Company’s net interest margin for 2021 and 2020 is as follows:

 

   

For the twelve month period ended

  
   

December 31, 2021

    

December 31, 2020

  

(Dollars in thousands)

  

Average

Outstanding

Balance

    

Interest

Earned/

Paid

    

Yield/

Rate

    

Average

Outstanding

Balance

    

Interest

Earned/

Paid

    

Yield/

Rate

  

Interest-earning assets:

                                                

Securities available for sale

   $ 210,637       2,146       1.02

%

   $ 107,771       1,857       1.72

%

Loans held for sale

     5,335       159       2.97       7,292       215       2.95  

Single family loans, net

     157,926       5,631       3.57       132,803       5,257       3.96  

Commercial loans, net

     427,730       21,494       5.03       449,364       21,457       4.77  

Consumer loans, net

     46,313       2,165       4.67       62,745       2,995       4.77  

Other

     102,146       166       0.16       59,321       178       0.30  

Total interest-earning assets

   $ 950,087       31,761       3.34     $ 819,296       31,959       3.90  
                                                 

Interest-bearing liabilities:

                                                

Checking accounts

   $ 157,857       182       0.12     $ 122,781       151       0.12  

Savings accounts

     113,314       69       0.06       90,064       65       0.07  

Money market accounts

     245,409       557       0.23       209,522       840       0.40  

Certificate accounts

     93,650       745       0.80       115,079       1,795       1.56  

Total interest-bearing liabilities

   $ 610,230                     $ 537,446                  

Non-interest checking

     257,549                       207,456                  

Other non-interest bearing deposits

     2,490                       2,251                  

Total interest-bearing liabilities and non-interest bearing deposits

   $ 870,269       1,553       0.18     $ 747,153       2,851       0.38  

Net interest income

             30,208                       29,108          

Net interest rate spread

                     3.16

%

                     3.52

%

Net interest margin

                     3.18

%

                     3.55

%
                                                 

 

Provision for Loan Losses

The provision for loan losses was ($2.1) million for 2021, a decrease of $4.8 million from the $2.7 million provision for loan losses for 2020. The provision for loan losses decreased primarily because of the reduction in the required reserves due to the reduced economic impact of the COVID-19 pandemic and the results of an internal analysis of the loan portfolio. The provision also decreased between the periods due to an increase in the current year in the recoveries received on previously charged off loans. During 2020, the Company increased its allowance for loan losses due to the changes in the economic environment related to the disruption in business activity as a result of the COVID-19 pandemic. The amount of the increase in the allowance for loan losses related to the economic environment was based, in part, on the amount of loans to borrowers in the hospitality, restaurant and entertainment industries that were negatively impacted by the COVID-19 pandemic. The underlying operations supporting many of the loans that were initially negatively impacted by the pandemic have improved and the amount of loans requiring accommodations decreased in 2021. At December 31, 2021, the Company had no loans with outstanding loan accommodations in accordance with Section 4013 of the CARES Act, compared to $34.6 million of outstanding loans that had been granted accommodations at December 31, 2020.

The allowance for loan losses is made up of general reserves on the entire loan portfolio and specific reserves on impaired loans. The general reserve amount includes quantitative reserves based on our past loan loss history and qualitative reserves for other items determined to have a potential impact on future loan losses. The reserves decreased between the periods primarily because of a decrease in the qualitative reserves required as a result of the economic improvements related to the COVID-19 pandemic and a decrease in certain loan loss reserve percentages as a result of an internal analysis of the loan portfolio. Total non-performing assets were $4.9 million at December 31, 2021, an increase of $1.6 million, or 47.9%, from $3.3 million at December 31, 2020. Non-performing loans increased $1.9 million and foreclosed and repossessed assets decreased $0.3 million during 2021. The increase in non-performing loans is primarily related to a $3.4 million hotel loan that was classified as non-performing during the year that was partially offset by a $1.0 million commercial real estate loan that was classified as non-performing at December 31, 2020 that became performing during 2021. The decrease in the foreclosed and repossessed assets is related to changes in foreclosed commercial properties between the periods.

 

7
 

 

A reconciliation of the allowance for loan losses for 2021 and 2020 is summarized as follows:

 

             

(Dollars in thousands)

 

2021

    

2020

  

Balance beginning of period

   $ 10,699       8,564  

Provision

     (2,119 )     2,699  

Charge offs:

                

Commercial real estate

     (36 )     (730 )

Consumer

     (42 )     (84 )

Commercial business

     0       (8 )

Recoveries

     777       258  

Balance at December 31,

   $ 9,279       10,699  
                 

 

Non-Interest Income and Expense

Non-interest income was $14.3 million for 2021, a decrease of $0.8 million, or 5.4%, from $15.1 million for 2020. Gain on sales of loans decreased $3.0 million between the periods primarily because of a decrease in single family loan originations and sales. This decrease in non-interest income was partially offset by an increase in other non-interest income of $1.7 million due primarily to a $1.4 million increase in the gain realized on the sale of commercial real estate owned and an increase in the income earned on the sale of uninsured investment products between the periods. Fees and service charges increased $0.2 million between the periods because of an increase in debit card income due to an increase in the volume of transactions. Loan servicing fees increased $0.2 million between the periods due to an increase in the aggregate balances of single family mortgage loans that were being serviced for others.

Non-interest expense was $27.7 million for 2021, an increase of $0.6 million, or 2.0%, from $27.1 million for 2020. Compensation and benefits expense increased $0.5 million because of an increase in the incentives earned between the periods. Data processing expense increased $0.1 million due primarily to increased debit card processing costs. Professional services expense increased slightly between the periods primarily because of an increase in employee recruitment fees. These increases in non-interest expense were partially offset by a $0.1 million decrease in occupancy and equipment expense due primarily to a decrease in building rent expense between the periods. Other non-interest expense decreased slightly between the periods due primarily to a decrease in mortgage servicing expense due to a decrease in prepayments on loans being serviced for third parties.

Income tax expense was $5.4 million for 2021, an increase of $1.3 million from $4.1 million for 2020. The increase in income tax expense between the periods is primarily the result of an increase in pre-tax income.

 

Return on Assets and Equity

Return on average assets for 2021 was 1.38%, compared to 1.21% for 2020. Return on average equity was 12.62% for 2021, compared to 10.56% for 2020. Book value per share at December 31, 2021 was $24.11, compared to $21.65 at December 31, 2020.

 

Dividend and Annual Meeting Announcement

HMN Financial, Inc. today announced that its Board of Directors has declared a quarterly dividend of 6 cents per share of common stock payable on March 9, 2022 to stockholders of record at the close of business on February 16, 2022. The declaration and amount of any future cash dividends remains subject to the sole discretion of the Board of Directors and will depend upon many factors, including the Company’s results of operations, financial condition, capital requirements, regulatory and contractual restrictions, business strategy and other factors deemed relevant by the Board of Directors.

The Company also announced that its 2022 annual meeting of shareholders will be held virtually on Tuesday, April 26, 2022 at 10:00 a.m. CDT.

 

General Information

HMN Financial, Inc. and the Bank are headquartered in Rochester, Minnesota. Home Federal Savings Bank operates twelve full service offices in Minnesota located in Albert Lea, Austin, Eagan, Kasson, La Crescent, Owatonna, Rochester (4), Spring Valley and Winona, one full service office in Marshalltown, Iowa, and one full service office in Pewaukee, Wisconsin. The Bank also operates two loan origination offices located in Sartell, Minnesota and La Crosse, Wisconsin.

 

8
 

 

Safe Harbor Statement

This press release may contain forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements are often identified by such forward-looking terminology as “anticipate,” “believe,” “continue,” “could,” “may,” “project,” “will,” and “would,” or similar statements or variations of such terms and include, but are not limited to, those relating to maintaining credit quality and net interest margins; the adequacy and amount of available liquidity and capital resources to the Bank; the Company’s liquidity and capital requirements; anticipated impacts of the COVID-19 pandemic and efforts to mitigate the same on the general economy, our clients, deposit balances, and the allowance for loan losses; anticipated benefits that will be realized by our clients from government assistance programs related to the COVID-19 pandemic; the amount of the Bank’s non-performing assets in future periods and the appropriateness of the allowances therefor; the payment of dividends or repurchases of stock by HMN; the projected changes in net interest income based on rate shocks; the range that interest rates may fluctuate over the next twelve months; the net market risk of interest rate shocks; the anticipated results of litigation and our assessment of the impact on our financial statements; the ability of the Bank to pay dividends to HMN; and compliance by the Bank with regulatory standards generally (including the Bank’s status as “well-capitalized”) and other supervisory directives or requirements to which the Company or the Bank are or may become expressly subject.

A number of factors, many of which may be amplified by the COVID-19 pandemic and efforts to mitigate the same, could cause actual results to differ materially from the Company’s assumptions and expectations. These include but are not limited to the adequacy and marketability of real estate and other collateral securing loans to borrowers; federal and state regulation and enforcement; possible legislative and regulatory changes, including changes to regulatory capital rules; the ability of the Bank to comply with other applicable regulatory capital requirements; enforcement activity of the Office of the Comptroller of the Currency and the Federal Reserve Bank (FRB) in the event of our non-compliance with any applicable regulatory standard or requirement; adverse economic, business and competitive developments such as continued shrinking interest margins, reduced collateral values, deposit outflows, changes in credit or other risks posed by the Company’s loan and investment portfolios; changes in costs associated with traditional and alternate funding sources, including changes in collateral advance rates and policies of the Federal Home Loan Bank and the FRB; technological, computer-related or operational difficulties including those from any third party cyberattack; results of litigation; reduced demand for financial services and loan products; changes in accounting policies and guidelines, or monetary and fiscal policies of the federal government or tax laws; domestic and international economic developments; the Company’s access to and adverse changes in securities markets; the market for credit related assets; the future operating results, financial condition, cash flow requirements and capital spending priorities of the Company and the Bank; the availability of internal and, as required, external sources of funding; our ability to attract and retain employees; or other significant uncertainties. Additional factors that may cause actual results to differ from the Company’s assumptions and expectations include those set forth in the Company’s most recent filings on Form 10-K and 10-Q with the Securities and Exchange Commission. All forward-looking statements are qualified by, and should be considered in conjunction with, such cautionary statements. For additional discussion of the risks and uncertainties applicable to the Company, see the “Risk Factors” section of the Company’s Annual Report on Form 10-K for the year ended December 31, 2020 and Part II, Item 1A of its subsequently filed quarterly reports on Form 10-Q.

All statements in this press release, including forward-looking statements, speak only as of the date they are made, and we undertake no duty to update any of the forward-looking statements after the date of this press release.

(Three pages of selected consolidated financial information are included with this release.)

 

***END***

 

9
 

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Consolidated Balance Sheets

 

   

December 31,

    

December 31,

  

(Dollars in thousands)

  

2021

    

2020

  
   

(unaudited)

          

Assets

                

Cash and cash equivalents

   $ 94,143       86,269  

Securities available for sale:

                

Mortgage-backed and related securities (amortized cost $247,275 and $99,821)

     245,397       101,464  

Other marketable securities (amortized cost $40,691 and $46,491)

     40,368       46,626  

Total securities available for sale

     285,765       148,090  
                 

Loans held for sale

     5,575       6,186  

Loans receivable, net

     652,502       642,630  

Accrued interest receivable

     2,132       3,102  

Mortgage servicing rights, net

     3,280       3,043  

Premises and equipment, net

     17,373       10,133  

Goodwill

     802       802  

Core deposit intangible

     10       57  

Prepaid expenses and other assets

     5,427       7,241  

Deferred tax asset, net

     2,529       2,027  

Total assets

   $ 1,069,538       909,580  
                 
                 

Liabilities and Stockholders’ Equity

                

Deposits

   $ 950,666       795,204  

Accrued interest payable

     63       140  

Customer escrows

     2,143       1,998  

Accrued expenses and other liabilities

     6,635       8,986  

Total liabilities

     959,507       806,328  

Commitments and contingencies

                

Stockholders’ equity:

                

Serial-preferred stock: ($.01 par value) authorized 500,000 shares; issued 0

     0       0  

Common stock ($.01 par value): authorized 16,000,000 shares; issued 9,128,662

     91       91  

Additional paid-in capital

     40,740       40,480  

Retained earnings, subject to certain restrictions

     131,413       117,849  

Accumulated other comprehensive (loss) income

     (1,583 )     1,282  

Unearned employee stock ownership plan shares

     (1,256 )     (1,450 )

Treasury stock, at cost 4,564,087 and 4,359,552 shares

     (59,374 )     (55,000 )

Total stockholders’ equity

     110,031       103,252  

Total liabilities and stockholders’ equity

   $ 1,069,538       909,580  
                 

 

10
 

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Consolidated Statements of Comprehensive Income

 

   

Three Months Ended
December 31,

    

Year Ended
December 31,

  

(Dollars in thousands, except per share data)

  

2021

    

2020

    

2021

    

2020

  
   

(unaudited)

    

(unaudited)

    

(unaudited)

          

Interest income:

                                

Loans receivable

   $ 6,695       7,768       29,449       29,924  

Securities available for sale:

                                

Mortgage-backed and related

     576       330       1,864       1,155  

Other marketable

     56       156       282       702  

Other

     50       29       166       178  

Total interest income

     7,377       8,283       31,761       31,959  
                                 

Interest expense:

                                

Deposits

     330       558       1,553       2,851  

Total interest expense

     330       558       1,553       2,851  

Net interest income

     7,047       7,725       30,208       29,108  

Provision for loan losses

     234       1,151       (2,119 )     2,699  

Net interest income after provision for loan losses

     6,813       6,574       32,327       26,409  
                                 

Non-interest income:

                                

Fees and service charges

     793       741       3,125       2,877  

Loan servicing fees

     387       380       1,555       1,356  

Gain on sales of loans

     1,657       3,028       6,566       9,531  

Other

     378       344       3,017       1,319  

Total non-interest income

     3,215       4,493       14,263       15,083  
                                 

Non-interest expense:

                                

Compensation and benefits

     4,249       3,884       16,114       15,646  

Occupancy and equipment

     1,071       1,094       4,372       4,429  

Data processing

     346       351       1,445       1,314  

Professional services

     543       230       1,438       1,405  

Other

     1,087       1,184       4,292       4,328  

Total non-interest expense

     7,296       6,743       27,661       27,122  

Income before income tax expense

     2,732       4,324       18,929       14,370  

Income tax expense

     733       1,199       5,365       4,068  

Net income

     1,999       3,125       13,564       10,302  

Other comprehensive (loss) income, net of tax

     (1,357 )     (61 )     (2,865 )     1,236  

Comprehensive income available to common shareholders

   $ 642       3,064       10,699       11,538  

Basic earnings per share

   $ 0.45       0.68       3.03       2.23  

Diluted earnings per share

   $ 0.45       0.67       3.01       2.22  
                                 

 

11
 

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Selected Consolidated Financial Information

(unaudited)

SELECTED FINANCIAL DATA:

  

Three Months Ended
December 31,

    

Year Ended
December 31,

  

(Dollars in thousands, except per share data)

  

2021

    

2020

    

2021

    

2020

  

I.     OPERATING DATA:

                                

Interest income

   $ 7,377       8,283       31,761       31,959  

Interest expense

     330       558       1,553       2,851  

Net interest income

     7,047       7,725       30,208       29,108  
                                 

II.    AVERAGE BALANCES:

                                

Assets (1)

     1,033,072       910,086       984,319       854,166  

Loans receivable, net

     619,164       654,801       631,969       644,912  

Securities available for sale (1)

     263,336       128,269       210,637       107,771  

Interest-earning assets (1)

     997,102       875,418       950,087       819,296  

Interest-bearing liabilities and non-interest bearing deposits

     918,266       797,237       870,269       747,153  

Equity (1)

     111,557       102,064       107,481       97,599  
                                 

III.   PERFORMANCE RATIOS: (1)

                                

Return on average assets (annualized)

     0.77

%

     1.37

%

     1.38

%

     1.21

%

Interest rate spread information:

                                

Average during period

     2.79       3.48       3.16       3.52  

End of period

     2.80       3.48       2.80       3.48  

Net interest margin

     2.80       3.51       3.18       3.55  

Ratio of operating expense to average total assets (annualized)

     2.80       2.95       2.81       3.16  

Return on average common equity (annualized)

     7.11       12.18       12.62       10.56  

Efficiency

     71.10       55.20       62.20       61.26  

 

   

December 31,

    

December 31,

  
   

2021

    

2020

  

IV.   EMPLOYEE DATA:

                

Number of full time equivalent employees

     164       172  
                 

V.    ASSET QUALITY:

                

Total non-performing assets

   $ 4,911       3,320  

Non-performing assets to total assets

     0.46

%

     0.37

%

Non-performing loans to total loans receivable, net

     0.71

%

     0.42

%

Allowance for loan losses

   $ 9,279       10,699  

Allowance for loan losses to total assets

     0.87

%

     1.18

%

Allowance for loan losses to total loans receivable, net

     1.42

%

     1.66

%

Allowance for loan losses to non-performing loans

     200.81

%

     398.72

%
                 

VI.  BOOK VALUE PER COMMON SHARE:

                

Book value per common share

   $ 24.11       21.65  

 

   

Year Ended

    

Year Ended

  
   

December 31,

2021

    

December 31,

2020

  

VII. CAPITAL RATIOS:

                

Stockholders’ equity to total assets, at end of period

     10.29

%

     11.35

%

Average stockholders’ equity to average assets (1)

     10.92       11.43  

Ratio of average interest-earning assets to average interest-bearing liabilities and non-interest bearing deposits (1)

     109.17       109.66  

Home Federal Savings Bank regulatory capital ratios:

                

Common equity tier 1 capital ratio

     13.18       13.62  

Tier 1 capital leverage ratio

     9.47       9.85  

Tier 1 capital ratio

     13.18       13.62  

Risk-based capital

     14.43       14.87  

 

 

(1)

Average balances were calculated based upon amortized cost without the market value impact of ASC 320.

 

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Document And Entity Information
Jan. 27, 2022
Document Information [Line Items]  
Entity, Registrant Name HMN Financial, Inc.
Document, Type 8-K
Document, Period End Date Jan. 27, 2022
Entity, Incorporation, State or Country Code DE
Entity, File Number 0-24100
Entity, Tax Identification Number 41-1777397
Entity, Address, Address Line One 1016 Civic Center Drive Northwest
Entity, Address, City or Town Rochester
Entity, Address, State or Province MN
Entity, Address, Postal Zip Code 55901
City Area Code 507
Local Phone Number 535-1200
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 HMNF
Security Exchange Name NASDAQ
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0000921183
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