Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 130

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 7
Chunk 130
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 %0.72 %0.61 %Non-performing assets as a percent of total assets0.45 0.31 0.34 0.49 0.95 Allowance for loan losses as a percent of non-performing loans as of end of period242.1 357.81 278.6 158.9 110.0 Allowance for loan losses as a percent of net loans as of end of period1.21 1.22 1.15 1.15 1.29 Capital Ratios: (5) (6)Tier 1 risk-based capital ratio13.28 %12.98 %12.43 %14.66 %13.92 %Leverage capital ratio11.38 10.98 10.43 9.77 9.68 Total risk-based capital ratio14.51 14.23 13.63 15.85 15.18 

(1)With the exception of end-of-period ratios, all ratios are based on average daily balances during the respective periods.

(2)Average interest rate spread represents the difference between the average yield on interest-earning assets and the average rate paid on interest-bearing liabilities.

(3)Net interest margin represents net interest income as a percentage of average interest-earning assets. Taxable equivalent yields are calculated using a marginal tax rate of 21%.

(4)The efficiency ratio represents noninterest expense as a percentage of total revenues. Total revenues is the sum of net interest income and noninterest income.

(5)Asset quality and capital ratios are end-of-period ratios.

(6)Capital ratios are for Home Bank only.

(7)Tangible calculation eliminates goodwill, core deposit intangible and the corresponding amortization expense, net of tax.

(8)Tangible calculation eliminates goodwill and core deposit intangible.

This Selected Financial Data contains financial information prepared other than in accordance with generally accepted accounting principles (“GAAP”). The Company uses these non-GAAP financial measures in its analysis of the Company’s performance. Management believes that the non-GAAP information provides useful data in understanding the Company’s operations and in comparing the Company’s results to peers. This non-GAAP information should be considered in addition to the Company’s financial information prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results. A reconciliation of GAAP to non-GAAP disclosures is included in the table below