Home bancorp, inc. (HBCP)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Sep'10Jun'10
Interest Income
Loans, including fees

23,699

23,842

23,562

23,812

23,198

23,854

24,118

23,527

22,804

20,421

16,336

16,167

16,243

15,970

15,889

15,852

16,018

16,049

13,435

12,620

12,360

12,775

13,090

12,922

11,484

9,956

10,438

10,067

10,072

10,734

11,309

10,383

10,371

10,450

9,728

7,265

7,160

7,549

7,643

Investment securities:
Taxable interest

1,308

1,231

1,401

1,601

1,653

1,592

1,516

1,531

1,309

1,086

983

958

865

706

722

775

798

817

757

721

735

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Tax-exempt interest

104

110

114

128

155

165

178

179

186

165

152

156

162

164

166

170

172

175

181

180

174

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

936

970

1,050

-

754

752

771

728

769

812

859

883

1,023

817

960

1,226

1,363

Other investments and deposits

138

261

397

380

363

292

297

338

426

297

194

116

91

80

68

67

59

49

50

65

33

43

41

46

31

28

32

32

31

43

41

35

34

36

36

34

36

32

34

Total interest income

25,249

25,444

25,474

25,921

25,369

25,903

26,109

25,575

24,725

21,970

17,665

17,398

17,363

16,922

16,847

16,865

17,048

17,091

14,425

13,588

13,304

13,748

14,068

13,939

12,566

10,767

11,225

10,852

10,875

11,506

12,119

11,230

11,265

11,370

10,788

8,117

8,158

8,809

9,041

Interest Expense
Deposits

3,667

3,934

4,050

3,735

3,331

2,935

2,312

1,927

1,902

1,623

1,396

1,149

992

937

912

919

931

957

730

700

684

697

718

704

622

633

729

799

881

974

1,036

1,084

1,131

1,194

1,219

1,035

1,177

1,403

1,382

Other borrowings

53

54

53

53

53

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Securities sold under repurchase agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

2

18

18

18

18

18

16

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Short-term Federal Home Loan Bank advances

3

-

0

-

0

-

-

16

17

4

0

30

63

44

53

45

43

35

9

0

6

25

30

33

35

19

12

11

3

3

4

15

15

23

15

7

0

2

4

Long-term Federal Home Loan Bank advances

203

198

230

258

263

266

281

296

301

317

313

321

337

338

341

348

350

342

152

103

103

93

87

81

80

80

80

111

140

157

162

162

164

170

165

107

99

136

151

Total interest expense

3,926

4,186

4,333

4,046

3,647

3,248

2,599

2,239

2,220

1,944

1,709

1,501

1,394

1,320

1,308

1,313

1,326

1,335

894

823

812

834

855

837

755

733

822

922

1,024

1,135

1,203

1,262

1,312

1,389

1,400

1,150

1,277

1,542

1,539

Net interest income

21,323

21,258

21,141

21,875

21,722

22,655

23,510

23,336

22,505

20,026

15,956

15,897

15,969

15,601

15,538

15,552

15,722

15,756

13,530

12,764

12,492

12,913

13,212

13,101

11,810

10,033

10,403

9,929

9,850

10,371

10,916

9,967

9,952

9,981

9,388

6,967

6,880

7,266

7,502

Provision for loan losses

6,257

713

1,146

765

390

1,612

786

581

964

1,200

660

150

306

-

800

1,050

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

850

-

568

294

538

516

891

810

145

431

453

2,247

520

483

55

1,160

711

567

525

264

102

167

199

Net interest income after provision for loan losses

15,066

20,545

19,995

21,110

21,332

21,043

22,724

22,755

21,541

18,826

15,296

15,747

15,662

15,101

14,738

14,502

14,872

15,086

12,962

12,470

11,953

12,397

12,320

12,290

11,665

9,602

9,950

7,682

9,330

9,888

10,860

8,807

9,240

9,413

8,862

6,702

6,778

7,099

7,302

Noninterest Income
Service fees and charges

-

-

-

-

-

-

-

-

-

-

-

-

936

-

1,045

1,001

1,036

1,063

1,027

954

892

965

1,008

976

796

745

741

659

582

804

535

583

569

757

601

545

474

541

526

Bank card fees

-

-

-

-

-

-

-

-

-

-

-

-

683

-

658

676

601

590

619

637

565

576

576

569

455

416

445

454

414

399

443

484

468

443

451

444

398

343

385

Gain on sale of loans, net

297

316

355

248

155

258

206

201

207

277

303

327

288

564

418

486

300

408

478

267

373

302

308

438

161

264

314

426

548

567

651

417

326

520

163

121

104

198

101

Income from bank-owned life insurance

259

238

1,464

202

165

165

166

164

161

132

121

121

118

121

120

119

120

123

123

124

132

115

116

115

110

112

114

117

119

128

124

130

131

142

143

146

145

161

162

Other-than-temporary impairment of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

870

140

Gain on sale of securities, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

1

-

-

428

-

0

162

59

0

-4

0

0

-166

-

39

Gain (loss) on sale of assets, net

2

1

-8

-327

-1

-129

-68

0

145

-14

-43

-460

355

-

-

640

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of properties and equipment, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-358

-133

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of investment securities, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accretion of FDIC loss sharing receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

111

111

112

119

108

175

177

187

193

231

238

249

251

Settlement of litigation

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

525

-

-

-

Other income

199

298

306

229

318

339

289

264

215

203

138

417

443

343

271

521

508

264

302

188

115

145

150

152

129

593

52

78

39

55

60

47

26

30

44

87

26

-12

67

Total noninterest income

3,358

3,499

4,774

2,977

3,165

3,279

3,341

3,345

3,482

2,679

2,293

2,163

2,825

2,627

2,514

3,447

2,567

2,454

2,197

2,038

2,078

2,106

2,160

2,252

1,655

1,796

1,780

2,276

1,816

2,074

2,086

1,899

1,699

2,077

1,599

2,101

1,221

612

1,395

Noninterest Expense
Compensation and benefits

9,416

9,438

10,266

9,613

9,098

9,305

9,328

9,222

8,941

7,432

7,062

6,892

6,775

6,788

6,723

6,920

7,201

6,944

6,267

6,062

5,760

6,093

5,785

5,712

6,794

5,335

5,017

4,880

5,096

5,118

5,046

4,826

4,695

4,692

5,215

3,915

3,998

3,824

3,871

Occupancy

1,736

1,713

1,791

2,008

1,606

1,603

1,661

1,719

1,675

1,353

1,219

1,272

1,219

1,315

1,307

1,322

1,309

1,319

1,218

1,166

1,171

1,250

1,213

1,191

1,014

882

914

897

831

1,156

722

702

694

1,207

709

559

565

615

648

Marketing and advertising

298

579

418

308

271

370

329

329

281

386

287

287

226

413

193

198

257

134

129

112

110

223

244

244

207

202

152

172

239

205

202

184

151

312

291

215

161

184

202

Data processing and communication

1,819

1,829

1,764

1,596

1,422

1,819

1,804

2,344

1,679

1,252

928

1,073

1,075

1,142

1,133

1,147

1,543

1,211

974

915

943

1,033

964

1,060

1,371

599

574

626

641

767

694

666

672

713

1,314

572

541

635

633

Professional services

213

172

227

218

239

262

265

306

286

770

407

181

231

185

244

259

294

393

648

475

238

233

210

228

487

436

217

193

212

189

213

255

232

203

327

427

419

198

228

Forms, printing and supplies

171

169

172

181

161

162

180

274

357

184

119

155

135

135

137

173

177

188

130

133

144

163

135

201

161

100

86

136

106

100

111

140

126

139

141

147

113

128

122

Franchise and shares tax

389

248

399

398

399

-60

362

363

365

361

193

191

201

161

219

219

219

200

155

147

147

20

184

184

184

-108

272

272

273

-43

305

175

175

93

221

180

180

98

141

Regulatory fees

116

113

127

283

307

382

455

343

379

311

317

312

322

345

319

329

322

271

273

296

280

276

306

255

228

221

225

219

223

224

218

213

198

169

258

200

229

159

122

Foreclosed assets and ORE, net

17

228

47

40

241

149

58

87

103

-68

-70

-101

-58

186

-472

307

118

-34

-17

259

235

223

91

319

361

-

90

-32

-

-

-

-

-

-

-

-

-

-

-

Amortization of acquisition intangible

353

382

393

398

410

438

450

455

502

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed assets, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

177

-

248

242

267

242

75

105

48

-

-

Other expenses

1,618

881

1,006

909

1,137

1,187

804

880

1,022

6

879

785

900

481

836

977

896

923

742

658

686

656

830

973

445

817

451

728

530

511

626

635

594

525

627

488

448

509

521

Total noninterest expense

16,146

15,752

16,610

15,952

15,291

15,617

15,696

16,322

15,590

12,754

11,341

11,050

11,030

11,957

10,642

11,855

12,341

11,552

10,522

10,228

9,719

10,176

9,968

10,370

11,257

8,774

8,003

8,094

8,332

8,522

8,389

8,042

7,808

8,301

9,182

6,811

6,707

6,353

6,492

Income before income tax expense

2,278

8,292

8,159

8,135

9,206

8,705

10,369

9,778

9,433

8,751

6,248

6,860

7,457

5,771

6,610

6,094

5,098

5,988

4,637

4,281

4,313

4,327

4,513

4,172

2,064

2,625

3,726

1,864

2,813

3,440

4,558

2,664

3,131

-

-

-

-

-

-

Income before income tax expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,279

1,993

1,293

1,358

2,205

Income tax expense

373

1,686

1,303

1,555

1,316

616

2,107

2,002

1,970

5,508

2,158

2,374

2,451

1,490

2,250

2,078

1,748

2,025

1,737

1,441

1,465

1,518

1,636

1,420

631

919

1,243

620

952

1,116

1,505

911

1,071

1,055

356

725

498

447

738

Net Income

1,905

6,606

6,856

6,580

7,890

8,089

8,262

7,776

7,463

3,242

4,090

4,485

5,005

4,281

4,360

4,016

3,349

3,962

2,899

2,839

2,847

2,808

2,876

2,752

1,433

1,705

2,482

1,243

1,861

2,324

3,052

1,752

2,060

2,134

923

1,267

794

910

1,466

Earnings per share:
Basic (in usd per share)

0.21

0.74

0.76

0.72

0.86

0.89

0.91

0.85

0.83

0.42

0.58

0.64

0.72

0.63

0.63

0.59

0.49

0.59

0.43

0.42

0.43

0.43

0.44

0.42

0.22

0.26

0.38

0.19

0.28

0.34

0.44

0.25

0.30

0.30

0.13

0.18

0.11

0.12

0.19

Diluted (in usd per share)

0.21

0.74

0.75

0.71

0.85

0.87

0.89

0.83

0.81

0.41

0.56

0.62

0.69

0.60

0.61

0.57

0.47

0.56

0.41

0.41

0.41

0.40

0.41

0.40

0.21

0.25

0.37

0.18

0.26

0.33

0.42

0.24

0.29

0.30

0.13

0.17

0.11

0.12

0.19

Cash dividends declared per common share (in usd per share)

0.22

0.22

0.21

0.21

0.20

0.20

0.19

0.17

0.15

0.14

0.14

0.14

0.13

0.10

0.12

0.10

0.09

0.08

0.08

0.07

0.07

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service fees and charges
Fees and charges

1,464

1,544

1,516

1,413

1,467

1,557

1,638

1,520

1,655

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank card fees
Fees and charges

1,137

1,102

1,141

1,212

1,061

1,089

1,110

1,196

1,099

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-