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) September 3, 2014
Home Bancorp, Inc.
(Exact name of registrant as specified in its charter)
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Louisiana |
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001-34190 |
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71-1051785 |
(State or other jurisdiction
of incorporation) |
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(Commission
File Number) |
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(IRS Employer
Identification No.) |
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503 Kaliste Saloom Road, Lafayette, Louisiana |
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70508 |
(Address of principal executive offices) |
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(Zip Code) |
Registrants 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):
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Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |
ITEM 7.01 |
Regulation FD Disclosure |
Home Bancorp, Inc. (the Company) posted to
its website, under the Investor Relations tab, a presentation which will be used by John W. Bordelon, President and Chief Executive Officer, and Joseph B. Zanco, Executive Vice President and Chief Financial Officer, in meetings with certain
institutional investors and analysts on September 3, 2014 in Chicago, Illinois. The investor presentation is attached hereto pursuant to Regulation FD as Exhibit 99.1
The investor presentation attached hereto as Exhibit 99.1 and incorporated herein by reference is being furnished pursuant to this
Item 7.01 and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the Exchange Act), or otherwise subject to the liabilities of that section, and it shall not be
deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or under the Exchange Act, whether made before or after the date hereof, except as expressly set forth by specific reference in such filing to this Current
Report on Form 8-K.
ITEM 9.01 |
Financial Statements and Exhibits |
The following exhibit is included herewith.
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Exhibit Number |
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Description |
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99.1 |
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Investor presentation dated September 3, 2014 |
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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 thereunto duly authorized.
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HOME BANCORP, INC. |
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Date: September 3, 2014 |
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By: |
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/s/ John W. Bordelon |
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John W. Bordelon |
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President and Chief Executive Officer |
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EXHIBIT INDEX
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Exhibit Number |
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Description |
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99.1 |
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Investor presentation dated September 3, 2014 |
Exhibit 99.1
Home Bancorp, Inc.
Raymond James U.S. Bank
Conference
September 3, 2014
Forward Looking Statements
Certain comments in
this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations hereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations
or opinions of Home Bancorp, Inc. and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward looking statements may be identified by the use of such words as: believe,
expect, anticipate, intend, plan, estimate, or words of similar meaning, or future or conditional terms such as will, would, should, could,
may, likely, probably, or possibly. Forward looking statements include, but are not limited to, financial projections and estimates and their underlying assumptions; statements regarding plans,
objectives and expectations with respect to future operations, products and services; and statements regarding future performance. Such statements are subject to certain risks, uncertainties and assumption, many of which are difficult to predict and
generally are beyond the control of Home Bancorp, Inc. and its management, that could cause actual results to differ materially from those expressed in, or implied or projected by, forward looking statements. The following factors, among others,
could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward looking statements: (1) economic and competitive conditions which could affect the volume of loan originations, deposit flows
and real estate values; (2) the levels of non-interest income and expense and the amount of loan losses; (3) competitive pressure among depository institutions increasing significantly; (4) changes in the interest rate environment causing reduced
interest margins; (5) general economic conditions, either nationally or in the markets in which Home Bancorp, Inc. is or will be doing business, being less favorable than expected; (6) political and social unrest, including acts of war or
terrorism; or (7) legislation or changes in regulatory requirements adversely affecting the business in which Home Bancorp, Inc. is engaged. Home Bancorp, Inc. undertakes no obligation to update these forward looking statements to reflect
events or circumstances that occur after the date on which such statements were made.
As used in this report,
unless the context otherwise requires, the terms we, our, us, or the Company refer to Home Bancorp, Inc. and the term the Bank refers to Home Bank, a federally chartered savings bank and
wholly owned subsidiary of the Company. In addition, unless the context otherwise requires, references to the operations of the Company include the operations of the Bank.
For a more detailed description of the factors that may affect Home Bancorps operating results or the outcomes described in these forward-looking statements, we refer you to our
filings with the Securities and Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2013. Home Bancorp assumes no obligation to update the forward-looking statements made during this presentation. For
more information, please visit our website www.home24bank.com.
Home Bancorp, Inc. 2
Our Company
Bank chartered in 1908 106
years strong
Headquartered in Lafayette, Louisiana
Federal Savings Bank Charter
IPO completed in October 2008
Ticker symbol: HBCP
(Nasdaq Global)
Home Bancorp, Inc. 3
Total Assets $1.3 billion
Market Capitalization
$154 million
Branches 27
Employees (FTE) 317
Significant Asset Growth Since IPO
1,400,000
1,300,000
1,200,000
1,100,000
1,000,000
900,000
800,000
700,000
600,000
500,000
400,000
2008
2009
2010
2011
2012
2013
2Q 2014
BK Bank
Britton&Koontz
Guaranty
Savings Bank
Statewide
Bank
138% asset increase CAGR = 17%
Total Assets ($000s)
Home Bancorp, Inc. 4
Acquisitions
Britton & Koontz Bank
February 2014
Baton Rouge, Natchez & Vicksburg, Mississippi
Cash Deal @ 88% of book value
$301 MM Assets, $170MM Loans, $216MM Deposits
Guaranty Savings Bank July 2011
Greater New Orleans
Cash Deal @ 95%
of book value
$257 MM Assets, $184MM Loans, $193MM Deposits
Statewide Bank March 2010
Northshore of Lake Ponchartrain/New Orleans
FDIC assisted
$199MM Assets, $157MM Loss Share Loans, $206MM Deposits
Home Bancorp, Inc. 5
Tangible Common Equity Ratio
28%
25%
23%
20%
18%
15%
13%
10%
8%
5%
3%
0%
2008
2009
2010
2011
2012
2013
2Q 2014
24.0%
25.3%
18.6%
13.7%
14.5%
14.3%
11.4%
8.6%
Home Bancorp Peer Median
Peer = BHCs $1-$3 billion in assets. Peer data as of 3/31/2014. Source: ffiec.gov
Home Bancorp, Inc. 6
Share Repurchase Activity
2,000,000
1,800,000 21% of IPO shares repurchased
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
0
2009
2010
2011
2012
2013
2014
Yearly Cumulative
# of Shares Repurchased
Home Bancorp, Inc. 7
Favorable Balance Sheet Mix Change
(% of assets)
Strong organic loan growth
2008 2009 2010 2011 2012 2013 2Q 2014
Cash &
Equivalents 9% 5% 6% 4% 4% 4% 5%
Investments 22% 23% 18% 16% 17% 16% 15%
Total Loans net 63% 64% 63% 69% 70% 71% 72%
Other Assets 6% 8% 13% 11% 9% 9% 8%
Non Maturity
Deposits 38% 41% 47% 46% 54% 56% 59%
CDs 29% 30% 32% 30% 26% 19% 19%
Borrowings & Other 9% 4% 2% 10% 5% 10% 10%
Equity 24% 25% 19% 14% 15% 14% 12%
Shrinking
investment portfolio (as % of assets)
Deposit growth has offset capital deployment
Home Bancorp, Inc. 8
Our Locations
Arkansas
Texas
Louisiana
Mississippi
Source: snl.com
Home Bancorp, Inc. 9
Unemployment Rate by Market
June 2014
14%
12%
10%
8%
6%
4%
2%
0%
Houma
Lafayette
Lake Charles
Baton Rouge
New Orleans
Alexandria
Monroe
Shreveport
Adams
Warren
National Average
Sources: bls.gov, mdes.ms.gov
Home Bancorp, Inc.
10
Lafayette Market
% of Bank Totals
60%
50%
40%
30%
20%
10%
0%
51.4%
Deposits
26.9%
Loans
2013 Rank 1 2 3 4 5
Institution Iberiabank JP Morgan Home Bank Hancock Capital One
Deposits in Market ($000) 1,634,275 1,053,938 489,351 487,052 469,405
Parish Market Share % 29.08 18.75 8.71 8.67 8.35
Source: snl.com
Low unemployment (4.4%)
1st overall mid-size city (8th overall) for manufacturing jobs (New Geography 2013)
5th best mid-size city (17th overall) in Leading Locations for Economic & Job Growth (Area Development 2014)
5th best mid-size city (27th overall) Best Cities for Jobs, Forbes 2014
Home to most affordable university in Louisiana (U.S.
Department of Education 2013)
Home Bancorp, Inc. 11
Baton Rouge Market
% of Bank Totals
20%
18%
16%
14%
12%
10%
8%
6%
4%
2%
0%
5.4%
Deposits
18.7%
Loans
2013 Rank 1 2 3 4 5 12
Institution JP Morgan Capital One Regions Hancock Iberiabank Home Bank
Deposits in Market ($000) 6,770,803 2,660,497 1,444,723 1,365,528 555,857 73,660
Parish Market Share % 47.3 18.6 10.1 9.5 3.9 0.5
Source: snl.com
1st overall metro area for Economic Growth Potential (Business Facilities 2013)
1st overall most rapidly recovering housing market (National Association of Home Builders)
Top 5 emerging entrepreneurial cities (Entrepreneur Magazine 2013)
7th overall best city for information jobs (Forbes 2013)
Top 25 best places to retire (Forbes 2013)
Home
Bancorp, Inc. 12
New Orleans/Northshore Market
% of Bank Totals
35%
30%
25%
20%
15%
10%
5%
0%
22.2%
Deposits
32.9%
Loans
2013 Rank 1 2 3 4 5 16
Institution Capital One Hancock JP Morgan Regions First NBC Home Bank
Deposits in Market ($000) 10,390,696 4,927,007 4,707,911 2,380,213 2,289,444 228,476
Fed Market Share % 32.4 15.4 14.7 7.4 7.1 0.7
Source: snl.com
1st overall in US for working age In-migration of Prime Workers (Forbes 2014)
1st Most Economical mid-size city for business (KPMG 2014)
1st overall for the decade for Major Economical Development Wins in the South (Southern Business & Development)
1st in US for Exports per capita (New Geography 2013)
2nd overall in US Post Recession Performance (Brookings Institute 2013)
Home Bancorp, Inc. 13
Western Mississippi Market
Strong, stable deposit
base
25% non-interest-bearing deposits
Limited large bank competition
Tuscaloosa Shale opportunity
% of Bank Totals
25%
20%
15%
10%
5%
0%
19.5%
Deposits
7.8%
Loans
Natchez
2013 Rank 1 2 3 4
Institution Home Bank United Miss. Regions Concordia
Deposits in Market ($000) 171,768 170,737 147,509 127,968
County Market Share % 27.8 27.6 23.9 20.7
Vicksburg
2013 Rank 1 2 3 4 5 6
Institution BancorpSouth Trustmark RiverHills Regions Guaranty B&T Home Bank
Deposits in Market ($000) 240,245 215,151 133,296 124,974 20,639 14,353
County Market Share % 32.1 28.7 17.8 16.7 2.8 1.9
Source: snl.com
Home Bancorp, Inc. 14
Tuscaloosa Marine Shale
ARKANSAS
Minden
MISSISSIPPI
Shreveport
Haynesville shale
20
Jackson
LOUISIANA
Natchitoches
Tuscaloosa Marine Shale
TEXAS
Alexandria
55
25 miles
49
Baton Rouge
12
Slidell
10
10
Lafayette New Orleans
THE TIMES-PICAYUNE
Home Bancorp, Inc. 15
Market Diversification
June 30, 2014
Loans
Other 3%
Lafayette 27%
Baton Rouge 19%
North Shore 18%
New Orleans 15%
Mortgage 10%
Mississippi 8%
Deposits
Other 2%
Lafayette 51%
Mississippi 20%
North Shore 13%
New Orleans 9%
BR 5%
In 2008, virtually 100% of loans and deposits were located in Lafayette Market
Home Bancorp, Inc. 16
Strong Organic Loan Growth
(excludes acquisition
accounting discounts)
$1,000,000
$900,000
$800,000
$700,000
$600,000
$500,000
$400,000
$300,000
$200,000
$100,000
$0
Loan Balance Outstanding (000s)
2008
2009
2010
2011
2012
2013
Q1 2014
Q2 2014
Total Originated Covered GSB B&K
Home Bancorp, Inc. 17
Loan Portfolio Composition
Consumer 4%
Multi-family 2%
CRE 25%
1-4 Family 41%
Const/Land 11%
C&I 10%
Home Equity 7%
12/31/08 balance: $336 million
Consumer 5%
Multi-family 2%
CRE 37%
1-4 Family 25%
Const/Land 14%
C&I 11%
Home Equity 6%
6/30/14 balance: $908 million
Home Bancorp, Inc. 18
Commercial Real Estate Portfolio
Wholesale 2%
School/Church 2%
Other 3%
Office Building 23%
Medical 14%
Shopping Center 9%
Service Company 9%
Restaurant 8%
Convenience Store 8%
Retail 7%
Energy 4%
Leasing 4%
Hotel 4%
Professional Service 3%
6/30/14 balance: $334 million
Non-Owner Occupied
40%
Owner Occupied 60%
Home Bancorp, Inc. 19
Construction and Land Portfolio
Multifamily 5%
Agricultural 1%
Residential 28%
Commercial Building 24%
Land Commercial 19%
Medical 9%
Land Personal 7%
Subdivision 7%
6/30/14 balance: $123 million
Home Bancorp, Inc.
20
C&I Portfolio
Wholesale 16%
Medical 16%
Energy 12%
Professional Services 11%
Rental 7%
Transportation 6%
Construction 5%
Retail 5%
Real Estate 5%
Agricultural 4%
Hospitality 3%
Manufacturing 3%
Other 8%
6/30/14 balance: $97 million
Home Bancorp, Inc. 21
1-4 Family First Mortgage Portfolio
Original Term
20 Year 4%
30 Year 64%
15 Year 20%
10 Year 12%
Mortgage Portion
Fixed 70%
Adjustable 30%
1st Mrtg. Home Equity 41%
Mortgage 59%
6/30/14 balance: $230 million
Next Reset
> 3 years 48%
< 3 years 52%
Home Bancorp, Inc. 22
Non Performing Assets / Assets
3.5%
3.0%
2.5%
2.0%
1.5%
1.0%
0.5%
0.0%
0.2%
2006
0.3%
2007
0.3%
2008
0.3%
2009
3.1%
0.2%
2010
1.0%
1.8%
0.4%
2011
1.2%
1.3%
0.5%
2012
1.4%
0.9%
0.7%
2013
1.2%
0.5%
0.4%
2Q 2014
Originated Covered Acquired Non Covered Peer Median
Home Bancorp, Inc. 23
ALLL and Loan Discounts
Reported ALLL / Gross
Loans = 0.85%
Peer Median = 1.40%
Originated ALLL / Originated Loans
1.20%
1.10%
1.00%
0.90%
0.80%
0.70%
0.60%
0.50%
0.40%
2008
2009
2010
2011
2012
2013
2Q 2014
Home Bancorp, Inc. 24
Deposit Growth and Composition
Deposits
($000s)
1,200,000
1,000,000
800,000
600,000
400,000
200,000
-
2008
2009
2010
2011
2012
2013
Q2 2014
% Non Interest Bearing
30%
28%
26%
24%
22%
20%
18%
16%
14%
Deposits % Non Interest
2Q 2014
Deposit Composition
Savings 8%
DDA 26%
CD 24%
MMDA 23%
NOW 19%
Non-interest bearing deposits fund 20% of
Bank assets, higher than the peer median of 15%
Home Bancorp, Inc. 25
Strong Non-Maturity Deposit Growth
% of Assets
60%
50%
40%
30%
20%
10%
2008
2009
2010
2011
2012
2013
2Q 2014
Non Maturity Deposits CDs
Home Bancorp, Inc. 26
Quarterly Performance Metrics
2Q 2013 3Q 2013 4Q
2013 1Q 2014 2Q 2014
Reported Net Income $1,243,591 $2,482,747 $1,705,649 $1,433,456 $2,752,625
Merger Adjusted Net Income (1)
$1,243,591 $2,482,747 $1,905,406 $2,790,488 $2,889,045
EPS - Diluted (1)
$0.18 $0.37 $0.28 $0.40 $0.42
ROA (1)
0.51% 1.04% 0.79% 1.00% 0.93%
ROE (1)
3.46% 7.14% 5.39% 7.90% 7.87%
Efficiency Ratio (1)
66.3% 65.4% 71.6% 69.1%
66.2%
NIM (TE) 4.59% 4.79% 4.60% 4.72% 4.64%
TCE Ratio 14.0% 14.4% 14.2% 11.3% 11.4%
Tangible Book Value/Share $19.06 $19.47 $19.72 $19.65 $20.20
Ending Share Price $18.50 $18.06 $18.85 $20.99 $22.02
NPAs/Assets 2.8% 2.9% 3.0% 2.3% 2.1%
Originated
NPAs(2) /Originated Assets
0.7% 0.7% 0.8% 0.5% 0.5%
(1) Excludes merger-related costs (see Table 2 in appendix)
(2) Excludes acquired NPAs
Home Bancorp, Inc. 27
Net Interest Margin (TE)
5.00%
4.75%
4.50%
4.25%
4.00%
3.75%
3.50%
3.25%
3.00%
2008
2009
2010
2011
2012
2013
YTD 6/30/14
Home Bank Peer Median
Home Bancorp, Inc. 28
Net Interest Margin Drivers
Yield on Loans (TE)
8.00%
7.50%
7.00%
6.50%
6.00%
5.50%
5.00%
4.50%
4.00%
2008
2009
2010
2011
2012
2013
YTD 6/30/14
Strong loan/asset ratio (75th percentile)
Loan
discount balance and accretion
C&D loans
Cost of Funding Earnings Assets
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2008
2009
2010
2011
2012
2013
YTD 6/30/14
Home Bancorp Peer Median
Maintained lower costs than peers even after capital was deployed
Increased balances of Non-interest deposits
Lower
reliance on CDs
Home Bancorp, Inc. 29
Non-Interest Income
Non Interest Income / Average
Assets
1.00%
0.90%
0.80%
0.70%
0.60%
0.50%
0.40%
2008
2009
2010
2011
2012
2013
YTD 6/30/14
Peer Median Home Bancorp
New retail leadership
Mortgage
Brokerage
2014 YTD Non-Interest Income
Discount of FDIC 4%
Other 3%
Service Fees 46%
Bank Card Fees 26%
Sales of Loans HFS 15%
BOLI 6%
Home Bancorp, Inc. 30
Non-Interest Expense (1)
(excluding
merger-related costs)
Non Interest Expense / Average Assets
3.80%
3.60%
3.40%
3.20%
3.00%
2.80%
2.60%
2008
2009
2010
2011
2012
2013
YTD 6/30/2014
Peer Median Home Bancorp
(1) Excludes merger-related costs (see Table 2 in appendix)
Investments in commercial and retail bankers
Infrastructure to support continued growth
Focus
on efficiency
2014 YTD Non-Interest Expense (1)
Prof. Service 3%
Marketing 2%
Comp & Benefits 60%
Other 12%
Occupancy 11%
Data Process 8%
OREO 4%
Home Bancorp, Inc. 31
Interest Rate Risk
Change in Interest Rates (1)
% Change in NII at 6/30/14 (2)
+100
-0.3%
+200
-0.9%
+300
-1.5%
1) Assumes instantaneous and parallel shift in interest rates.
2) The actual impact of changes in interest rates will depend on many factors including but not limited to: the Companys ability to maintain desired mix of interest-earning assets
and interest-bearing liabilities, actual timing of asset and liability repricing, and competitor reaction to deposit and loan pricing.
Slightly liability sensitive
Effective duration of investment portfolio = 2.8 years
Home Bancorp, Inc. 32
Total Return Since 2008
200
150
100
50
0
-50
-100
12/31/2008
12/31/2009
12/31/2010
12/31/2011
13/31/2012
12/31/2013
Total Return (%)
HBCP SNL U.S. Bank and Thrift S&P 500
Source:
SNL. Data as of 8/26/2014
Home Bancorp, Inc. 33
Share Information
3Q 2013
4Q 2013
1Q 2014
2Q 2014
12 Months
EPS GAAP
$0.37
$0.25
$0.21
$0.40
$1.22
EPS Merger Adjusted (1)
$0.37
$0.28
$0.40
$0.42
$1.47
Ending Share Price
$18.06
$18.85
$20.99
$22.02
Dividend Yield
0.0%
0.0%
0.0%
0.0%
P/BV
91%
94%
103%
106%
P/TBV
93%
96%
107%
109%
Price / Earnings (12 months prior)
P/EPS GAAP
17.98x
P/EPS Merger Adjusted (1)
14.98x
(1) Excludes merger-related costs (see
Table 1 in appendix)
Home HB Bancorp, Inc. 34
HBCP Ownership
Other 36%
Mutual Fund 7%
Insider/ESOP 21%
Institutional 36%
Fully Diluted Insider Ownership = 26%
Source: SNL (data as of 8/26/2014)
Home HB
Bancorp, Inc. 35
Investment Perspective
Consistently
superior organic asset quality
Deep customer relationships 106 years
Successful acquirer; experienced deal team
Strong capital base
Disciplined
deployment
Well positioned for further acquisitions
Vibrant economies
Trading at 109% of tangible book value
Home HB Bancorp, Inc. 36
Executive Leadership
John Bordelon, President and
Chief Executive Officer
Has led Home Bank since 1993. Previously served in various management and other
positions since joining the Bank in 1981. Former Chairman of the following organizations: Greater Lafayette Chamber of Commerce, University of Louisiana Alumni Association, Community Bankers of Louisiana, and Ragin Cajun Athletic Foundation
Darren Guidry, Chief Credit Officer
Joined Home Bank in 1993. Previously served as Chief Lending Officer.
Scott Ridley, Chief Banking Officer
Joined Home
Bank in 2013. Previously served as Group Executive for Louisiana Business Banking for Capital One Bank.
Scott
Sutton, Chief Operations Officer
Joined Home Bank in 2008. Previously served as Senior Vice President of
Operations of Teche Federal Bank and as Senior Vice President of Iberiabank.
Joseph Zanco, Chief Financial
Officer
Joined Home Bank in 2008. Previously served as Corporate Controller and Principal Accounting Officer
for Iberiabank.
Home HB Bancorp, Inc. 37
Appendix
Non-GAAP Reconciliation
TABLE 1
(dollars in thousands) 2Q 2013 3Q 2013 4Q 2013 1Q 2014 2Q 2014
Reported non-interest expense $8,094 $7,890 $8,774 $11,257 $10,370
Less: Merger-related expenses - - (307) (1,955) (207)
Non-GAAP non-interest expense $8,094 $7,890 $8,467 $9,302 $10,163
Reported Net Income 1,244 2,483 1,706 1,433 2,753
Add: Merger-related expenses (after tax - - 200 1,357 136
Non-GAAP Net Income 1,244 2,483 1,906 2,790 2,889
Diluted EPS $0.18 $0.37 $0.25 $0.21 $0.40
Add:
Merger-related expenses - - 0.03 0.19 0.02
Non-GAAP EPS $0.18 $0.37 $0.28 $0.40 $0.42
TABLE 2
(dollars in thousands)
2010 2011 2012 2013
Six months ended 6/30/14
Reported non-interest expense $24,373 $31,002 $32,763 $33,205 $21,627
Less: Merger-related expenses (1,000) (2,053) - (307) (2,162)
Non-GAAP noninterest expense $23,373 $28,949 $32,763 $32,898 $19,465
Home HB Bancorp, Inc. 38
Home HB Bancorp, Inc.
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