Home Bancorp, Inc. (HBCP)

Home Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	166.1	149.34	112.66	101.58	99.11	94.41
Interest Income on Investments	14.27	14.33	13.27	5.33	5.02	7.79
Total Interest Income	180.36	163.66	125.93	106.9	104.13	102.21
Interest Paid on Deposits	49.71	27.5	5.22	5.23	11.03	15.05
Interest Paid on Borrowings	12.69	15.47	2.7	0.68	0.88	1.16
Total Interest Expense	62.4	42.97	7.92	5.91	11.92	16.21
Net Interest Income	117.96	120.69	118.02	100.99	92.21	86
Net Interest Income Growth (YoY)	-5.40%	2.27%	16.86%	9.52%	7.23%	-6.53%
Gain (Loss) on Sale of Assets	-0.01	-0.03	0.03	-0.5	-0.01	-0.34
Gain (Loss) on Sale of Investments	-	-0.25	-	-	-	-
Other Non-Interest Income	14.03	14.1	13.2	14.26	11.39	12.48
Total Non-Interest Income	14.47	14.64	13.89	16.27	14.31	13.22
Non-Interest Income Growth (YoY)	-0.16%	5.41%	-14.66%	13.74%	8.25%	-1.73%
Revenues Before Loan Losses	132.43	135.33	131.9	117.26	106.52	99.21
Provision for Loan Losses	2.21	2.84	7.77	-9.77	12.73	3.01
Revenue	130.22	132.49	124.13	127.03	93.79	96.2
Revenue Growth (YoY)	-3.78%	6.73%	-2.28%	35.44%	-2.50%	-5.23%
Salaries and Employee Benefits	46.8	46.56	45.31	36.8	35.89	36
Federal Deposit Insurance	2.06	2.04	2.12	1.32	1.38	0.83
Amortization of Goodwill & Intangibles	1.39	1.6	1.6	1.16	1.36	1.58
Selling, General & Administrative	27.85	26.04	25.23	21.52	18.8	19.26
Other Non-Interest Expense	7.18	6.65	6.84	5.35	5.06	5.38
Total Non-Interest Expense	85.53	82.34	81.63	66.59	62.98	63.61
EBT Excluding Unusual Items	44.69	50.15	42.5	60.44	30.81	32.59
Pretax Income	44.69	50.15	42.5	60.44	30.81	33.79
Income Tax Expense	8.55	9.91	8.43	11.82	6.04	5.86
Net Income	36.14	40.24	34.07	48.62	24.77	27.93
Net Income to Common	36.14	40.24	34.07	48.62	24.77	27.93
Net Income Growth	-13.19%	18.10%	-29.92%	96.33%	-11.34%	-11.58%
Basic Shares Outstanding	8	8	8	8	9	9
Diluted Shares Outstanding	8	8	8	8	9	9
Shares Change (YoY)	-1.05%	-1.57%	-2.78%	-3.17%	-4.83%	-1.65%
EPS (Basic)	4.54	5.01	4.19	5.80	2.86	3.08
EPS (Diluted)	4.51	4.99	4.16	5.77	2.85	3.05
EPS Growth	-12.33%	19.95%	-27.90%	102.46%	-6.56%	-10.29%
Dividend Per Share	1.010	1.000	0.930	0.910	0.880	0.840
Dividend Growth	2.02%	7.53%	2.20%	3.41%	4.76%	18.31%
Effective Tax Rate	19.13%	19.75%	19.83%	19.55%	19.61%	17.34%

Source: S&P Capital IQ. Banks template. Financial Sources.