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.
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