Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 154

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 7
Chunk 154
---
$961,885 $1,005,574 $1,056,053 Net interest income; net interest spread(TE)$120,262 2.84 %$120,692 3.20 %$118,015 3.78 %Net interest margin(TE)3.71 %3.89 %3.92 %

(1)Nonperforming loans are included in the respective average loan balances, net of deferred fees, discounts and loans in process. Acquired loans were recorded at fair value upon acquisition and accrete interest income over the remaining life of the respective loans.

34

The following table displays the dollar amount of changes in interest income and interest expense for major components of interest-earning assets and interest-bearing liabilities. The table distinguishes between (i) changes attributable to volume (changes in average volume between periods times prior year rate), (ii) changes attributable to rate (changes in average rate between periods times prior year volume) and (iii) total increase (decrease).

2024 Compared to 2023Change Attributable To2023 Compared to 2022Change Attributable To(dollars in thousands)RateVolumeTotal Increase (Decrease)RateVolumeTotal Increase (Decrease)Interest income:Loans receivable$10,851 $10,066 $20,917 $18,114 $18,564 $36,678 Investment securities(359)(637)(996)972 804 1,776 Other interest-earning assets535 648 1,183 1,401 (2,122)(721)Total interest income11,027 10,077 21,104 20,487 17,246 37,733 Interest expense:Savings, checking and money market accounts4,719 3,057 7,776 6,501 3,382 9,883 Certificates of deposit8,693 8,807 17,500 7,296 5,110 12,406 Other borrowings2,350 3,530 5,880 1 — 1 Subordinated debt(9)— (9)630 1,050 1,680 FHLB advances(3,570)(6,043)(9,613)4,461 6,625 11,086 Total interest expense12,183 9,351 21,534