Home Bancorp, Inc. (HBCP)

Home Bancorp Income Statement

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

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	160.88	149.34	112.66	101.58	99.11	94.41
Interest Income on Investments	14.19	14.33	13.27	5.33	5.02	7.79
Total Interest Income	175.06	163.66	125.93	106.9	104.13	102.21
Interest Paid on Deposits	43.98	27.5	5.22	5.23	11.03	15.05
Interest Paid on Borrowings	13.99	15.47	2.7	0.68	0.88	1.16
Total Interest Expense	57.98	42.97	7.92	5.91	11.92	16.21
Net Interest Income	117.09	120.69	118.02	100.99	92.21	86
Net Interest Income Growth (YoY)	-7.93%	2.27%	16.86%	9.52%	7.23%	-6.53%
Gain (Loss) on Sale of Assets	-0	-0.03	0.03	-0.5	-0.01	-0.34
Gain (Loss) on Sale of Investments	-	-0.25	-	-	-	-
Other Non-Interest Income	14.24	14.1	13.2	14.26	11.39	12.48
Total Non-Interest Income	15.18	14.64	13.89	16.27	14.31	13.22
Non-Interest Income Growth (YoY)	11.86%	5.41%	-14.66%	13.74%	8.25%	-1.73%
Revenues Before Loan Losses	132.27	135.33	131.9	117.26	106.52	99.21
Provision for Loan Losses	2.42	2.84	7.77	-9.77	12.73	3.01
Revenue	129.84	132.49	124.13	127.03	93.79	96.2
Revenue Growth (YoY)	-4.10%	6.73%	-2.28%	35.44%	-2.50%	-5.23%
Salaries and Employee Benefits	46.45	46.56	45.31	36.8	35.89	36
Federal Deposit Insurance	2.08	2.04	2.12	1.32	1.38	0.83
Amortization of Goodwill & Intangibles	1.45	1.6	1.6	1.16	1.36	1.58
Selling, General & Administrative	27.37	26.04	25.23	21.52	18.8	19.26
Other Non-Interest Expense	6.96	6.65	6.84	5.35	5.06	5.38
Total Non-Interest Expense	84.61	82.34	81.63	66.59	62.98	63.61
EBT Excluding Unusual Items	45.23	50.15	42.5	60.44	30.81	32.59
Pretax Income	45.23	50.15	42.5	60.44	30.81	33.79
Income Tax Expense	8.77	9.91	8.43	11.82	6.04	5.86
Earnings From Continuing Operations	36.46	40.24	34.07	48.62	24.77	27.93
Net Income to Common	36.46	40.24	34.07	48.62	24.77	27.93
Basic Shares Outstanding	8	8	8	8	9	9
Diluted Shares Outstanding	8	8	8	8	9	9
Shares Change (YoY)	-1.14%	-1.57%	-2.78%	-3.17%	-4.83%	-1.65%
EPS (Basic)	4.57	5.01	4.19	5.80	2.86	3.08
EPS (Diluted)	4.55	4.99	4.16	5.77	2.85	3.05
EPS Growth	-12.68%	19.95%	-27.90%	102.46%	-6.56%	-10.29%
Effective Tax Rate	19.40%	19.75%	19.83%	19.55%	19.61%	17.34%
Dividend Per Share	1.000	1.000	0.930	0.910	0.880	0.840
Dividend Growth	3.09%	7.53%	2.20%	3.41%	4.76%	18.31%

Source: S&P Capital IQ. Banks template.