Companies: 10,762     total market cap: $133.227 T
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Home Bancorp
HBCP
#7226
Rank
$0.47 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
$60.58
Share price
0.55%
Change (1 day)
36.72%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. Home Bancorp
  2. Quarterly Reports (10-Q)
  3. Financial Year FY2019 Q3

Home Bancorp - 10-Q quarterly report FY2019 Q3


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503 Kaliste Saloom RoadLafayetteLouisianaSeptember 30, 2019false9/30/2019September 30, 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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
 
(Mark One)
☒Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the quarterly period ended: September 30, 2019
or
☐Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the transition period from                      to                     
Commission File Number: 001-34190
 
HOME BANCORP, INC.
(Exact name of Registrant as specified in its charter)
 

Louisiana 71-1051785
(State or Other Jurisdiction of
Incorporation or Organization)		 (I.R.S. Employer
Identification Number)
503 Kaliste Saloom Road, Lafayette, Louisiana
 70508
(Address of Principal Executive Offices) (Zip Code)
Registrant’s telephone number, including area code: (337) 237-1960
Not Applicable
(Former Name, Former Address and Former Fiscal Year, if changed since last report)
Securities registered pursuant to Section 12(b) of the Exchange Act:
Title of each class Trading
symbol(s)		 Name of each exchange
on which registered
Common Stock HBCP  Nasdaq Stock Market
Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days.    Yes  ☒    NO  ☐

Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ☒    NO  ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer☐  Accelerated filer☒
Non-accelerated filer☐  Smaller reporting company☐
   Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐    NO  ☒

At November 6, 2019, the registrant had 9,275,629 shares of common stock, $0.01 par value, outstanding.


HOME BANCORP, INC. and SUBSIDIARY
TABLE OF CONTENTS
  Page
PART I - FINANCIAL INFORMATION
Item 1.Financial Statements (unaudited)
Consolidated Statements of Financial Condition
1
Consolidated Statements of Income
2
Consolidated Statements of Comprehensive Income
3
Consolidated Statements of Changes in Shareholders’ Equity
4
Consolidated Statements of Cash Flows
6
Notes to Unaudited Consolidated Financial Statements
7
Item 2.
27
Item 3.
38
Item 4.
38
PART II - OTHER INFORMATION
Item 1.
39
Item 1A.
39
Item 2.
39
Item 3.
39
Item 4.
39
Item 5.
39
Item 6.
39
41

i

HOME BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(Unaudited)(Audited)
(dollars in thousands)September 30, 2019December 31, 2018
Assets
Cash and cash equivalents$61,289  $59,618  
Interest-bearing deposits in banks449  939  
Investment securities available for sale, at fair value255,114  260,131  
Investment securities held to maturity (fair values of $7,238 and $10,841, respectively)
7,193  10,872  
Mortgage loans held for sale6,909  2,086  
Loans, net of unearned income1,707,442  1,649,754  
Allowance for loan losses(17,598) (16,348) 
Total loans, net of unearned income and allowance for loan losses1,689,844  1,633,406  
Office properties and equipment, net46,362  47,124  
Cash surrender value of bank-owned life insurance39,228  29,560  
Goodwill and core deposit intangibles64,854  66,055  
Accrued interest receivable and other assets46,798  43,867  
Total Assets2,218,040  2,153,658  
Liabilities
Deposits:
Noninterest-bearing446,742  438,146  
Interest-bearing1,384,664  1,335,071  
Total Deposits1,831,406  1,773,217  
Other borrowings5,539  5,539  
Long-term Federal Home Loan Bank advances47,853  58,698  
Accrued interest payable and other liabilities18,565  12,164  
Total Liabilities1,903,363  1,849,618  
Shareholders’ Equity
Preferred stock, $0.01 par value - 10,000,000 shares authorized; none issued
—  —  
Common stock, $0.01 par value - 40,000,000 shares authorized; 9,331,099 and 9,459,050
shares issued and outstanding, respectively
93  95  
Additional paid-in capital
168,822  168,243  
Unallocated common stock held by:
Employee Stock Ownership Plan (ESOP)(3,213) (3,481) 
Recognition and Retention Plan (RRP)(47) (58) 
Retained earnings147,841  141,447  
Accumulated other comprehensive income (loss)1,181  (2,206) 
Total Shareholders’ Equity314,677  304,040  
Total Liabilities and Shareholders’ Equity$2,218,040  $2,153,658  
 











The accompanying Notes are an integral part of these Consolidated Financial Statements.
1

HOME BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME
(Unaudited)
Three Months Ended
September 30,		Nine Months Ended
September 30,
(dollars in thousands, except per share data)2019201820192018
Interest Income
Loans, including fees$23,562  $24,118  $70,572  $70,448  
Investment securities:
Taxable interest1,401  1,516  4,655  4,355  
Tax-exempt interest
114  178  397  543  
Other investments and deposits397  297  1,140  1,063  
Total interest income25,474  26,109  76,764  76,409  
Interest Expense
Deposits4,050  2,312  11,116  6,142  
Other borrowings expense53  —  159  —  
Short-term Federal Home Loan Bank advances—  6  —  39  
Long-term Federal Home Loan Bank advances230  281  751  877  
Total interest expense4,333  2,599  12,026  7,058  
Net interest income21,141  23,510  64,738  69,351  
Provision for loan losses1,146  786  2,301  2,331  
Net interest income after provision for loan losses19,995  22,724  62,437  67,020  
Noninterest Income
Service fees and charges1,516  1,638  4,396  4,812  
Bank card fees1,141  1,110  3,414  3,405  
Gain on sale of loans, net355  206  758  614  
Income from bank-owned life insurance1,464  166  1,831  490  
(Loss) gain on sale of assets, net(8) (68) (336) 77  
Other income306  289  853  770  
Total noninterest income4,774  3,341  10,916  10,168  
Noninterest Expense
Compensation and benefits10,266  9,328  28,977  27,492  
Occupancy1,791  1,661  5,405  5,055  
Marketing and advertising418  329  997  939  
Data processing and communication1,764  1,804  4,782  5,827  
Professional services227  265  684  856  
Forms, printing and supplies172  180  514  811  
Franchise and shares tax399  362  1,196  1,091  
Regulatory fees127  455  717  1,177  
Foreclosed assets, net47  58  328  247  
Amortization of acquisition intangible393  450  1,201  1,407  
Other expenses1,006  804  3,052  2,706  
Total noninterest expense16,610  15,696  47,853  47,608  
Income before income tax expense8,159  10,369  25,500  29,580  
Income tax expense1,303  2,107  4,174  6,079  
Net Income$6,856  $8,262  $21,326  $23,501  
Earnings per share:
Basic$0.76  $0.91  $2.34  $2.59  
Diluted$0.75  $0.89  $2.32  $2.53  
Cash dividends declared per common share$0.21  $0.19  $0.62  $0.51  
 The accompanying Notes are an integral part of these Consolidated Financial Statements.
2

HOME BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(Unaudited)
Three Months Ended
September 30,		Nine Months Ended
September 30,
(dollars in thousands)2019201820192018
Net Income$6,856  $8,262  $21,326  $23,501  
Other Comprehensive Income (Loss)
Unrealized gains (losses) on investment securities14  (1,279) 4,287  (4,289) 
Tax effect(3) 268  (900) 901  
Other comprehensive income (loss), net of taxes11  (1,011) 3,387  (3,388) 
Comprehensive Income$6,867  $7,251  $24,713  $20,113  
 
















































The accompanying Notes are an integral part of these Consolidated Financial Statements.
3

HOME BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY
(Unaudited)
(dollars in thousands, except per share data)Common
stock		Additional
Paid-in
capital		Unallocated
Common Stock
Held by ESOP		Unallocated
Common Stock
Held by RRP		Retained
Earnings		Accumulated Other Comprehensive (Loss) IncomeTotal
Balance, December 31, 2017$94  $165,341  $(3,838) $(84) $117,313  $(955) $277,871  
Net income23,501  23,501  
Other comprehensive loss(3,388) (3,388) 
Reclassification of stranded tax effects in accumulated other comprehensive income206  (206) —  
Purchase of Company’s common stock at cost, 8,283 shares
—  (83) (297) (380) 
Cash dividends declared, $0.51 per share
(4,810) (4,810) 
Common Stock issued under incentive plans, net of shares surrendered in payment, including tax benefit, 16,898 shares
—  139  (65) 74  
Exercise of stock options1  897  898  
RRP shares released for allocation(7) 7  —  
ESOP shares released for allocation1,109  267  1,376  
Share-based compensation cost546  546  
Balance, September 30, 2018$95  $167,942  $(3,571) $(77) $135,848  $(4,549) $295,688  
Balance, December 31, 2018$95  $168,243  $(3,481) $(58) $141,447  $(2,206) $304,040  
Net income21,326  21,326  
Other comprehensive income3,387  3,387  
Purchase of Company’s common stock at cost, 341,095 shares
(3) (3,408) (9,008) (12,419) 
Cash dividends declared, $0.62 per share
(5,858) (5,858) 
Common Stock issued under incentive plans, net of shares surrendered in payment, including tax benefit, 24,392 shares
—  233  (66) 167  
Exercise of stock options1  2,228  2,229  
RRP shares released for allocation(11) 11  —  
ESOP shares released for allocation922  268  1,190  
Share-based compensation cost615  615  
Balance, September 30, 2019$93  $168,822  $(3,213) $(47) $147,841  $1,181  $314,677  
 








The accompanying Notes are an integral part of these Consolidated Financial Statements.
4

HOME BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY - CONTINUED
(Unaudited)
(dollars in thousands, except per share data)Common
stock		Additional
Paid-in
capital		Unallocated
Common Stock
Held by ESOP		Unallocated
Common Stock
Held by RRP		Retained
Earnings		Accumulated Other Comprehensive (Loss) IncomeTotal
Balance, June 30, 2018$94  $166,897  $(3,660) $(77) $129,645  $(3,538) $289,361  
Net income8,262  8,262  
Other comprehensive loss(1,011) (1,011) 
Purchase of Company’s common stock at cost,7,206 shares
—  (72) (259) (331) 
Cash dividends declared, $0.19 per share
(1,799) (1,799) 
Common Stock issued under incentive plans, net of shares surrendered in payment, including tax benefit, 370 shares
—  (31) (1) (32) 
Exercise of stock options1  558  559  
RRP shares released for allocation(3) —  (3) 
ESOP shares released for allocation390  89  479  
Share-based compensation cost203  203  
Balance, September 30, 2018$95  $167,942  $(3,571) $(77) $135,848  $(4,549) $295,688  
Balance, June 30, 2019$94  $169,233  $(3,303) $(48) $146,348  $1,170  $313,494  
Net income6,856  6,856  
Other comprehensive income11  11  
Purchase of Company’s common stock at cost, 123,902 shares
(1) (1,238) (3,385) (4,624) 
Cash dividends declared, $0.21 per share
(1,976) (1,976) 
Common Stock issued under incentive plans, net of shares surrendered in payment, including tax benefit, 5,071 shares
—  130  (2) 128  
Exercise of stock options—  143  143  
RRP shares released for allocation(1) 1  —  
ESOP shares released for allocation318  90  408  
Share-based compensation cost237  237  
Balance, September 30, 2019$93  $168,822  $(3,213) $(47) $147,841  $1,181  $314,677  












The accompanying Notes are an integral part of these Consolidated Financial Statements.
5

HOME BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited)
 For the Nine Months Ended
September 30,
(dollars in thousands)20192018
Cash flows from operating activities:
Net income$21,326  $23,501  
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses2,301  2,331  
Depreciation2,107  1,832  
Amortization and accretion of purchase accounting valuations and intangibles4,768  6,259  
Net amortization of mortgage servicing asset83  113  
Federal Home Loan Bank stock dividends(119) (90) 
Net amortization of discount on investments1,605  1,516  
Gain on loans sold, net(758) (614) 
Proceeds, including principal payments, from loans held for sale81,021  73,539  
Originations of loans held for sale(85,086) (70,521) 
Non-cash compensation
1,805  1,922  
Deferred income tax expense176  225  
Increase in accrued interest receivable and other assets(3,961) (9,003) 
Increase in cash surrender value of bank-owned life insurance(636) (490) 
Change in accrued interest payable and other liabilities6,404  1,685  
Net cash provided by operating activities31,036  32,205  
Cash flows from investing activities:
Purchases of securities available for sale(46,914) (67,539) 
Proceeds from maturities, prepayments and calls on securities available for sale54,775  38,016  
Proceeds from maturities, prepayments and calls on securities held to maturity3,517  1,855  
(Increase) decrease in loans, net(63,679) 18,222  
Reimbursement from FDIC for covered assets142  —  
Decrease in interest-bearing deposits in banks490  1,237  
Proceeds from sale of repossessed assets1,720  616  
Purchases of office properties and equipment(3,009) (2,824) 
Purchase of bank-owned life insurance(10,000) —  
Proceeds from bank-owned life insurance2,163  —  
Proceeds from sale of office properties and equipment53  1,051  
Net cash used in investing activities(60,742) (9,366) 
Cash flows from financing activities:
Increase (decrease) in deposits, net58,152  (94,992) 
Borrowings on Federal Home Loan Bank advances6,010  —  
Repayments of Federal Home Loan Bank advances(16,904) (12,323) 
Proceeds from exercise of stock options2,229  898  
Issuance of stock under incentive plans167  74  
Dividends paid to shareholders(5,858) (4,810) 
Purchase of Company’s common stock(12,419) (380) 
Net cash provided by (used in) financing activities31,377  (111,533) 
Net change in cash and cash equivalents1,671  (88,694) 
Cash and cash equivalents at beginning of year59,618  150,418  
Cash and cash equivalents at end of period$61,289  $61,724  
The accompanying Notes are an integral part of these Consolidated Financial Statements.
6

HOME BANCORP, INC. AND SUBSIDIARY
NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS
1. Basis of Presentation
The accompanying unaudited consolidated financial statements of Home Bancorp, Inc. (the “Company”) were prepared in accordance with instructions for Form 10-Q and Regulation S-X and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations, comprehensive income, changes in shareholders’ equity and cash flows in conformity with accounting principles generally accepted in the United States of America. However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial statements have been included. Certain reclassifications have been made to prior period balances to conform to the current period presentation. The results of operations for the three and nine months ended September 30, 2019 and 2018 are not necessarily indicative of the results which may be expected for the entire fiscal year. These statements should be read in conjunction with the Consolidated Financial Statements and notes thereto included in the Company’s Annual Report on Form 10-K filed with the Securities and Exchange Commission (“SEC”) for the year ended December 31, 2018.
Critical Accounting Policies and Estimates
There were no material changes or developments during the reporting period with respect to methodologies the Company uses when applying critical accounting policies and developing critical accounting estimates as disclosed in its Annual Report on Form 10-K for the year ended December 31, 2018.
In preparing the financial statements, the Company is required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.    
2. Recent Accounting Pronouncements
In February 2016, the FASB issued ASU No. 2016-02, “Conforming Amendments Related to Leases”. This ASU amends the codification regarding leases in order to increase transparency and comparability. Under former GAAP, the recognition of lease assets and lease liabilities by lessees was not required if the terms of the lease qualified it as an operating lease. ASU No. 2016-02 requires companies to recognize lease assets and liabilities on the statement of condition and disclose key information about leasing arrangements, for both operating and capital or finance leases. A lessee must recognize a liability to make lease payments and a right-of-use asset representing its right to use the leased asset for the lease term. The ASU is effective for annual and interim periods beginning after December 15, 2018. The Company implemented an accounting policy election to keep leases with an initial term of 12 months or less off the Company’s consolidated balance sheet. As of September 30, 2019, the Company’s right-of-use assets and liabilities, net of amortization, were $4.6 million. The Company reports its right-of-use assets and liabilities within accrued interest receivable and other assets and accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition. The ASU did not have material impact on the consolidated income statement for the three-months or nine-months ended September 30, 2019, and is not expected to in future periods.
In June 2016, the FASB issued ASU No. 2016-13, “Measurement of Credit Losses on Financial Instruments,” which introduced a new impairment model known as CECL (Current Expected Credit Losses). The ASU requires a financial asset (or group of financial assets) measured on an amortized cost basis to be presented at an amount net of an allowance for credit losses, which reflects expected losses for the full life of the financial asset. Under current GAAP, credit losses are not recognized until the occurrence of the loss is probable and entities, in general, only consider past events and current conditions when measuring incurred losses. ASU No. 2016-13 will require entities to recognize a current estimate of all expected credit losses, thus eliminating the “probable” recognition threshold. To produce a current estimate of expected credit losses, the standard will require entities to incorporate forecasted information along with relevant information about past events, including historical experience, and current conditions that affect the collectability of the reported amount of financial assets. The ASU also amends the accounting model for purchased financial assets and replaces the current accounting for purchased credit impaired ("PCI") financial assets with the concept of purchased credit deteriorated ("PCD") financial assets. For non-PCD assets, an initial CECL estimate will be recognized through the allowance for credit losses and the provision for loan losses. For PCD assets, an initial CECL estimate will be recognized through the allowance for credit losses with an offset to the cost basis of the PCD asset. Financial assets currently classified as PCI will be classified as PCD assets upon implementation of the ASU. Held-to-maturity debt securities and off-balance-sheet arrangements, such as commitments to extend credit, guarantees and standby letters of credit that are not unconditionally cancellable, are also within the scope of this amendment. In addition, ASU 2016-13 will require expected credit related losses for available-for-sale debt securities to be recorded through an allowance for credit losses,
7

while non-credit related losses will continue to be recognized through Other Comprehensive Income (“OCI”). This ASU is effective for fiscal years beginning after December 31, 2019. An entity will apply the amendments in this update on a modified retrospective basis, through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The Company is conducting parallel testing of the CECL estimation process to determine the potential impact to our Consolidated Financial Statements upon the implementation of ASU No. 2016-13. Currently, the Company expects the adoption of the ASU to increase the allowance for loan losses and the provision for loan losses. The extent of the impact upon adoption is not known and will depend on the characteristics of the Company’s loan portfolio and economic conditions on that date as well as forecasted conditions thereafter.
In January 2017, FASB issued ASU No. 2017-04, “Intangibles – Goodwill and Other, Simplifying the Test for Goodwill Impairment”. The amendment in this ASU eliminates the requirement to calculate the implied fair value of goodwill in order to measure a goodwill impairment charge. An entity will record an impairment charge based on the excess of the carrying amount over its fair value. This ASU is effective for fiscal and interim testing periods beginning after December 15, 2019. The Company has early adopted the amendment and it has not impacted our Consolidated Financial Statements.
In August 2018, the FASB issued ASU No. 2018-13, “Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement.” The ASU removes, modifies and adds certain disclosure requirements for fair value measurements. For example, public entities will no longer be required to disclose the valuation processes for Level 3 fair value measurements, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. ASU No. 2018-13 is effective for interim and annual reporting periods beginning after December 15, 2019. In addition, entities may early adopt the modified or eliminated disclosure requirements and delay adoption of the additional disclosure requirements until their effective date. The Company is currently assessing the impact of adoption of this guidance upon its disclosures. ASU No. 2018-13 will not impact our Consolidated Financial Statements, as the update only revises disclosure requirements.
3. Investment Securities
Summary information regarding the Company’s investment securities classified as available for sale and held to maturity as of September 30, 2019 and December 31, 2018 is as follows.
(dollars in thousands)Amortized
Cost		Gross
Unrealized
Gains		Gross Unrealized LossesFair Value
   Less Than
1 Year		Over 1
Year		 
September 30, 2019
Available for sale:
U.S. agency mortgage-backed$82,597  $1,226  $54  $74  $83,695  
Collateralized mortgage obligations152,143  958  351  366  152,384  
Municipal bonds15,059  181  26  —  15,214  
U.S. government agency3,820  13  2  10  3,821  
Total available for sale$253,619  $2,378  $433  $450  $255,114  
Held to maturity:
Municipal bonds$7,193  $46  $1  $—  $7,238  
Total held to maturity$7,193  $46  $1  $—  $7,238  

8

(dollars in thousands)Amortized
Cost		Gross
Unrealized
Gains		Gross Unrealized LossesFair Value
   Less Than
1 Year		Over 1
Year		 
December 31, 2018
Available for sale:
U.S. agency mortgage-backed$86,487  $485  $171  $892  $85,909  
Collateralized mortgage obligations145,814  129  161  2,191  143,591  
Municipal bonds21,453  52  16  12  21,477  
U.S. government agency9,169  29  19  25  9,154  
Total available for sale$262,923  $695  $367  $3,120  $260,131  
Held to maturity:
Municipal bonds$10,872  $11  $5  $37  $10,841  
Total held to maturity$10,872  $11  $5  $37  $10,841  
The estimated fair value and amortized cost by contractual maturity of the Company’s investment securities as of September 30, 2019 are shown in the following tables. Securities are classified according to their contractual maturities without consideration of principal amortization, potential prepayments or call options. The expected maturity of a security may differ from its contractual maturity because of prepayments or the exercise of call options. Accordingly, actual maturities may differ from contractual maturities.
(dollars in thousands)One Year
or Less		After One
Year through
Five Years		After Five
Years
through Ten
Years		After Ten
Years		Total
Fair Value
Securities available for sale:
U.S. agency mortgage-backed$43  $10,308  $22,898  $50,446  $83,695  
Collateralized mortgage obligations—  —  —  152,384  152,384  
Municipal bonds778  5,549  2,185  6,702  15,214  
U.S. government agency—  —  —  3,821  3,821  
Total securities available for sale$821  $15,857  $25,083  $213,353  $255,114  
Securities held to maturity:
Municipal bonds$—  $2,603  $2,188  $2,447  $7,238  
Total securities held to maturity$—  $2,603  $2,188  $2,447  $7,238  
(dollars in thousands)One Year
or Less		After One
Year through
Five Years		After Five
Years
through Ten
Years		After Ten
Years		Total
Amortized Cost
Securities available for sale:
U.S. agency mortgage-backed$41  $10,277  $22,581  $49,698  $82,597  
Collateralized mortgage obligations—  —  —  152,143  152,143  
Municipal bonds776  5,524  2,119  6,640  15,059  
U.S. government agency—  —  —  3,820  3,820  
Total securities available for sale$817  $15,801  $24,700  $212,301  $253,619  
Securities held to maturity:
Municipal bonds$—  $2,593  $2,157  $2,443  $7,193  
Total securities held to maturity$—  $2,593  $2,157  $2,443  $7,193  

Management evaluates securities for other-than-temporary impairment at least quarterly, and more frequently when economic and market conditions warrant such evaluations. Consideration is given to (1) the extent and length of time the fair value has been below cost; (2) the reasons for the decline in value; and (3) the Company’s intent to sell a security or whether it is more
9

likely than not the Company will be required to sell the security before the recovery of its amortized cost, which may extend to maturity.
The Company performs a process to identify securities that could potentially have a credit impairment that is other-than-temporary. This process involves evaluating each security for impairment by monitoring credit performance, collateral type, collateral geography, bond credit support, loan-to-value ratios, credit scores, loss severity levels, pricing levels, downgrades by rating agencies, cash flow projections and other factors as indicators of potential credit issues. When the Company determines that a security is deemed other-than-temporarily impaired, an impairment loss is recognized.
As of September 30, 2019, 64 of the Company’s investment securities had unrealized losses totaling 0.8% of the individual securities’ amortized cost basis and 0.3% of the Company’s total amortized cost basis of the investment securities portfolio. At such date, 35 of the 64 securities had been in a continuous loss position for over 12 months. The 35 securities had an aggregate amortized cost basis of $47,162,000 and an unrealized loss of $450,000 at September 30, 2019. Management has the intent and ability to hold these securities until maturity, or until anticipated recovery; hence, no declines in these securities were deemed other-than-temporary at September 30, 2019.
As of September 30, 2019 and December 31, 2018, the Company had $172,339,000 and $157,198,000, respectively, of securities pledged to secure public deposits.
4. Earnings Per Share
Earnings per common share were computed based on the following:
Three Months Ended
September 30,		Nine Months Ended
September 30,
(in thousands, except per share data)2019201820192018
Numerator:
Net income available to common shareholders$6,856  $8,262  $21,326  $23,501  
Denominator:
Weighted average common shares outstanding9,059  9,098  9,114  9,053  
Effect of dilutive securities:
Restricted stock9  19  12  21  
Stock options39  204  63  223  
Weighted average common shares outstanding – assuming dilution9,107  9,321  9,189  9,297  
Basic earnings per common share$0.76  $0.91  $2.34  $2.59  
Diluted earnings per common share$0.75  $0.89  $2.32  $2.53  
Options on 100,288 and 27,934 shares of common stock were not included in the computation of diluted earnings per share for the three months ended September 30, 2019 and 2018, respectively, because the effect of these shares was anti-dilutive. Options on 90,511 and 15,850 shares of common stock were not included in the computation of diluted earnings per share for the nine months ended September 30, 2019 and 2018, respectively, because the effect of these shares was anti-dilutive.

5. Credit Quality and Allowance for Loan Losses
The following briefly describes the distinction between originated and acquired loans and certain significant accounting policies relevant to each category.
Originated Loans
Loans originated for investment are reported at the principal balance outstanding net of unearned income. Interest on loans and accretion of unearned income are computed in a manner that approximates a level yield on recorded principal. Interest on loans is recorded as income is earned. The accrual of interest on an originated loan is discontinued when it is probable the borrower will not be able to meet payment obligations as they become due. The Company maintains an allowance for loan losses on originated loans that represents management’s estimate of probable losses incurred in this portfolio category.

10

Acquired Loans
Loans that were acquired as a result of business combinations are referred to as “acquired loans.” Acquired loans were recorded at estimated fair value at the acquisition date with no carryover of the related allowance for loan losses. The acquired loans were segregated between those considered to be performing (“acquired performing”) and those with evidence of credit deterioration (“acquired impaired”), and then further segregated into loan pools designed to facilitate the estimation of expected cash flows. The fair value estimate for each pool of acquired performing and acquired impaired loans was based on the estimate of expected cash flows, both principal and interest, from that pool, discounted at prevailing market interest rates.
The difference between the fair value of an acquired performing loan pool and the contractual amounts due at the acquisition date (the “fair value discount”) is accreted into income over the estimated life of the pool. Management estimates an allowance for loan losses for acquired performing loans using a methodology similar to that used for originated loans. The allowance determined for each loan pool is compared to the remaining fair value discount for that pool. If the allowance amount calculated under the Company’s methodology is greater than the Company’s remaining discount, the additional amount called for is added to the reported allowance through a provision for loan losses. If the allowance amount calculated under the Company’s methodology is less than the Company’s recorded discount, no additional allowance or provision is recognized. Actual losses first reduce any remaining nonaccretable discount for the loan pool. Once the nonaccretable discount is fully depleted, losses are applied against the allowance established for that pool. Acquired performing loans are placed on nonaccrual status and considered and reported as nonperforming or past due using the same criteria applied to the originated portfolio.
The excess of cash flows expected to be collected from an acquired impaired loan pool over the pool’s estimated fair value at acquisition is referred to as the accretable yield and is recognized in interest income using an effective yield method over the remaining life of the pool. Each pool of acquired impaired loans is accounted for as a single asset with a single composite interest rate and an aggregate expectation of cash flows.
Management recasts the estimate of cash flows expected to be collected on each acquired impaired loan pool periodically. If the present value of expected cash flows for a pool is less than its carrying value, an impairment is recognized by an increase in the allowance for loan losses and a charge to the provision for loan losses. If the present value of expected cash flows for a pool is greater than its carrying value, any previously established allowance for loan losses is reversed and any remaining difference increases the accretable yield, which will be taken into interest income over the remaining life of the loan pool. Acquired impaired loans are generally not subject to individual evaluation for impairment and are not reported with impaired loans, even if they would otherwise qualify for such treatment.

The Company’s loans, net of unearned income, consisted of the following as of the dates indicated.

(dollars in thousands)September 30,
2019		December 31,
2018
Real estate loans:
One- to four-family first mortgage
$432,964  $450,363  
Home equity loans and lines81,835  83,976  
Commercial real estate719,392  640,575  
Construction and land188,879  193,597  
Multi-family residential56,733  54,455  
Total real estate loans1,479,803  1,422,966  
Other loans:
Commercial and industrial180,264  172,934  
Consumer47,375  53,854  
Total other loans227,639  226,788  
Total loans$1,707,442  $1,649,754  
The net discount on the Company’s loans was $14,016,000 and $18,811,000 at September 30, 2019 and December 31, 2018, respectively, of which $6,228,000 and $7,865,000 for the same time periods, respectively, were related to impaired loans. In addition, loan balances as of September 30, 2019 and December 31, 2018 are reported net of unearned income of $2,922,000 and $2,716,000, respectively.

11

Allowance for Loan Losses
The allowance for loan losses and recorded investment in loans as of the dates indicated are as follows.

 September 30, 2019
 Originated Loans  
(dollars in thousands)Collectively
Evaluated
for
Impairment		Individually
Evaluated
for
Impairment		Acquired
Loans		Total
Allowance for loan losses:
One- to four-family first mortgage
$1,939  $—  $464  $2,403  
Home equity loans and lines711  348  29  1,088  
Commercial real estate5,631  361  823  6,815  
Construction and land2,168  —  4  2,172  
Multi-family residential572  —  —  572  
Commercial and industrial2,813  701  336  3,850  
Consumer450  —  248  698  
Total allowance for loan losses$14,284  $1,410  $1,904  $17,598  


 September 30, 2019
 Originated Loans  
(dollars in thousands)Collectively
Evaluated
for
Impairment		Individually
Evaluated
for
Impairment
Acquired
Loans(1)
Total
Loans:
One- to four-family first mortgage
$242,256  $187  $190,521  $432,964  
Home equity loans and lines56,542  800  24,493  81,835  
Commercial real estate510,913  6,830  201,649  719,392  
Construction and land164,444  —  24,435  188,879  
Multi-family residential48,731  —  8,002  56,733  
Commercial and industrial147,555  1,233  31,476  180,264  
Consumer36,048  —  11,327  47,375  
Total loans$1,206,489  $9,050  $491,903  $1,707,442  
 December 31, 2018
 Originated Loans  
(dollars in thousands)Collectively
Evaluated
for
Impairment		Individually
Evaluated
for
Impairment		Acquired
Loans		Total
Allowance for loan losses:
One- to four-family first mortgage
$1,937  $—  $199  $2,136  
Home equity loans and lines682  349  48  1,079  
Commercial real estate5,272  484  369  6,125  
Construction and land2,280  —  5  2,285  
Multi-family residential522  —  28  550  
Commercial and industrial2,541  321  366  3,228  
Consumer472  —  473  945  
Total allowance for loan losses$13,706  $1,154  $1,488  $16,348  
12

 December 31, 2018
 Originated Loans  
(dollars in thousands)Collectively
Evaluated
for
Impairment		Individually
Evaluated
for
Impairment
Acquired
Loans(1)
Total
Loans:
One- to four-family first mortgage
$227,602  $—  $222,761  $450,363  
Home equity loans and lines53,049  866  30,061  83,976  
Commercial real estate432,217  7,059  201,299  640,575  
Construction and land161,232  —  32,365  193,597  
Multi-family residential42,222  —  12,233  54,455  
Commercial and industrial131,250  1,952  39,732  172,934  
Consumer37,711  —  16,143  53,854  
Total loans$1,085,283  $9,877  $554,594  $1,649,754  
(1)$8.9 million and $10.0 million in Acquired Loans were deemed to be acquired impaired loans and were accounted for under ASC 310-30 at September 30, 2019 and December 31, 2018, respectively.

A summary of activity in the allowance for loan losses for the nine months ended September 30, 2019 and September 30, 2018 follows.
 
 Nine Months Ended September 30, 2019
(dollars in thousands)Beginning
Balance		Charge-offsRecoveriesProvisionEnding
Balance
Originated loans:
Allowance for loan losses:
One- to four-family first mortgage
$1,937  $(4) $—  $6  $1,939  
Home equity loans and lines1,031  (42) 10  60  1,059  
Commercial real estate5,756  (139) —  375  5,992  
Construction and land2,280  —  —  (112) 2,168  
Multi-family residential522  —  —  50  572  
Commercial and industrial2,862  (744) 23  1,373  3,514  
Consumer472  (104) 34  48  450  
Total allowance for loan losses$14,860  $(1,033) 67  $1,800  $15,694  
Acquired loans:
Allowance for loan losses:
One- to four-family first mortgage
$199  $—  $—  $265  $464  
Home equity loans and lines48  —  —  (19) 29  
Commercial real estate369  —  —  454  823  
Construction and land5  —  —  (1) 4  
Multi-family residential28  —  —  (28) —  
Commercial and industrial366  —  —  (30) 336  
Consumer473  (85) —  (140) 248  
Total allowance for loan losses$1,488  $(85) $—  $501  $1,904  
13

Total loans:
Allowance for loan losses:
One- to four-family first mortgage
$2,136  $(4) $—  $271  $2,403  
Home equity loans and lines1,079  (42) 10  41  1,088  
Commercial real estate6,125  (139) —  829  6,815  
Construction and land2,285  —  —  (113) 2,172  
Multi-family residential550  —  —  22  572  
Commercial and industrial3,228  (744) 23  1,343  3,850  
Consumer945  (189) 34  (92) 698  
Total allowance for loan losses$16,348  $(1,118) $67  $2,301  $17,598  


 Nine Months Ended September 30, 2018
(dollars in thousands)Beginning
Balance		Charge-offsRecoveriesProvisionEnding
Balance
Originated loans:
Allowance for loan losses:
One- to four-family first mortgage
$1,574  $(1) $—  $288  $1,861  
Home equity loans and lines1,024  —  3  13  1,040  
Commercial real estate4,766  —  —  565  5,331  
Construction and land1,742  —  —  279  2,021  
Multi-family residential355  —  —  185  540  
Commercial and industrial4,346  (1,503) 153  119  3,115  
Consumer496  (60) 13  35  484  
Total allowance for loan losses$14,303  $(1,564) $169  $1,484  $14,392  
Acquired loans:
Allowance for loan losses:
One- to four-family first mortgage
$89  $—  $—  $(36) $53  
Home equity loans and lines78  —  —  (26) 52  
Commercial real estate140  —  —  97  237  
Construction and land7  —  —  (1) 6  
Multi-family residential—  —  —  60  60  
Commercial and industrial184  —  —  391  575  
Consumer6  —  —  362  368  
Total allowance for loan losses$504  $—  $—  $847  $1,351  
Total loans:
Allowance for loan losses:
One- to four-family first mortgage
$1,663  $(1) $—  $252  $1,914  
Home equity loans and lines1,102  —  3  (13) 1,092  
Commercial real estate4,906  —  —  662  5,568  
Construction and land1,749  —  —  278  2,027  
Multi-family residential355  —  —  245  600  
Commercial and industrial4,530  (1,503) 153  510  3,690  
Consumer502  (60) 13  397  852  
Total allowance for loan losses$14,807  $(1,564) $169  $2,331  $15,743  
14

Credit Quality
The following tables present the Company’s loan portfolio by credit quality classification as of the dates indicated.

 September 30, 2019
(dollars in thousands)PassSpecial
Mention		SubstandardDoubtfulTotal
Originated loans:
One- to four-family first mortgage$238,197  $1,985  $2,261  $—  $242,443  
Home equity loans and lines56,176  43  1,123  —  57,342  
Commercial real estate504,930  3,786  9,027  —  517,743  
Construction and land162,368  859  1,217  —  164,444  
Multi-family residential48,731  —  —  —  48,731  
Commercial and industrial144,554  407  3,827  —  148,788  
Consumer35,734  267  47  —  36,048  
Total originated loans$1,190,690  $7,347  $17,502  $—  $1,215,539  
Acquired loans:
One- to four-family first mortgage$183,205  $1,696  $5,620  $—  $190,521  
Home equity loans and lines24,036  278  179  —  24,493  
Commercial real estate186,766  1,514  13,369  —  201,649  
Construction and land22,259  661  1,515  —  24,435  
Multi-family residential7,260  515  227  —  8,002  
Commercial and industrial27,035  46  4,395  —  31,476  
Consumer10,953  193  181  —  11,327  
Total acquired loans$461,514  $4,903  $25,486  $—  $491,903  
Total loans:
One- to four-family first mortgage$421,402  $3,681  $7,881  $—  $432,964  
Home equity loans and lines80,212  321  1,302  —  81,835  
Commercial real estate691,696  5,300  22,396  —  719,392  
Construction and land184,627  1,520  2,732  —  188,879  
Multi-family residential55,991  515  227  —  56,733  
Commercial and industrial171,589  453  8,222  —  180,264  
Consumer46,687  460  228  —  47,375  
Total loans$1,652,204  $12,250  $42,988  $—  $1,707,442  

15

 December 31, 2018
(dollars in thousands)PassSpecial
Mention		SubstandardDoubtfulTotal
Originated loans:
One- to four-family first mortgage$221,930  $1,852  $3,820  $—  $227,602  
Home equity loans and lines52,344  69  1,502  —  53,915  
Commercial real estate425,851  4,463  8,962  —  439,276  
Construction and land159,428  —  1,804  —  161,232  
Multi-family residential42,222  —  —  —  42,222  
Commercial and industrial126,126  1,717  5,359  —  133,202  
Consumer37,312  126  273  —  37,711  
Total originated loans$1,065,213  $8,227  $21,720  $—  $1,095,160  
Acquired loans:
One- to four-family first mortgage$213,199  $2,474  $7,088  $—  $222,761  
Home equity loans and lines29,451  270  340  —  30,061  
Commercial real estate183,514  5,189  12,596  —  201,299  
Construction and land30,005  917  1,443  —  32,365  
Multi-family residential11,401  582  250  —  12,233  
Commercial and industrial35,918  1,376  2,438  —  39,732  
Consumer15,521  262  360  —  16,143  
Total acquired loans$519,009  $11,070  $24,515  $—  $554,594  
Total loans:
One- to four-family first mortgage$435,129  $4,326  $10,908  $—  $450,363  
Home equity loans and lines81,795  339  1,842  —  83,976  
Commercial real estate609,365  9,652  21,558  —  640,575  
Construction and land189,433  917  3,247  —  193,597  
Multi-family residential53,623  582  250  —  54,455  
Commercial and industrial162,044  3,093  7,797  —  172,934  
Consumer52,833  388  633  —  53,854  
Total loans$1,584,222  $19,297  $46,235  $—  $1,649,754  
The above classifications follow regulatory guidelines and can generally be described as follows:
 
•Pass loans are of satisfactory quality.
•Special mention loans have an existing weakness that could cause future impairment, including the deterioration of financial ratios, past due status, questionable management capabilities and possible reduction in the collateral values.
•Substandard loans have an existing specific and well-defined weakness that may include poor liquidity and deterioration of financial performance. Such loans may be past due and related deposit accounts experiencing overdrafts. Immediate corrective action is necessary.
•Doubtful loans have specific weaknesses that are severe enough to make collection or liquidation in full highly questionable and improbable.
In addition, residential loans are classified using an inter-agency regulatory methodology that incorporates, among other factors, the extent of delinquencies and loan-to-value ratios. These classifications were the most current available as of the dates indicated and were generally updated within the quarter.
16

Age analysis of past due loans as of the dates indicated are as follows.
 September 30, 2019
(dollars in thousands)30-59
Days
Past
Due		60-89
Days
Past
Due		Greater
Than
90 Days
Past
Due		Total
Past
Due		Current
Loans		Total
Loans
Originated loans:
Real estate loans:
One- to four-family first mortgage
$1,641  $701  $702  $3,044  $239,399  $242,443  
Home equity loans and lines354  43  40  437  56,905  57,342  
Commercial real estate554  3,602  6,811  10,967  506,776  517,743  
Construction and land872  —  494  1,366  163,078  164,444  
Multi-family residential—  —  —  —  48,731  48,731  
Total real estate loans3,421  4,346  8,047  15,814  1,014,889  1,030,703  
Other loans:
Commercial and industrial63  303  1,160  1,526  147,262  148,788  
Consumer138  81  29  248  35,800  36,048  
Total other loans201  384  1,189  1,774  183,062  184,836  
Total originated loans$3,622  $4,730  $9,236  $17,588  $1,197,951  $1,215,539  
Acquired loans:
Real estate loans:
One- to four-family first mortgage
$4,567  $454  $1,482  $6,503  $184,018  $190,521  
Home equity loans and lines160  68  120  348  24,145  24,493  
Commercial real estate372  549  2,592  3,513  198,136  201,649  
Construction and land386  370  1,224  1,980  22,455  24,435  
Multi-family residential—  —  —  —  8,002  8,002  
Total real estate loans5,485  1,441  5,418  12,344  436,756  449,100  
Other loans:
Commercial and industrial630  213  459  1,302  30,174  31,476  
Consumer274  48  110  432  10,895  11,327  
Total other loans904  261  569  1,734  41,069  42,803  
Total acquired loans$6,389  $1,702  $5,987  $14,078  $477,825  $491,903  
Total loans:
Real estate loans:
One- to four-family first mortgage
$6,208  $1,155  $2,184  $9,547  $423,417  $432,964  
Home equity loans and lines514  111  160  785  81,050  81,835  
Commercial real estate926  4,151  9,403  14,480  704,912  719,392  
Construction and land1,258  370  1,718  3,346  185,533  188,879  
Multi-family residential—  —  —  —  56,733  56,733  
Total real estate loans8,906  5,787  13,465  28,158  1,451,645  1,479,803  
Other loans:
Commercial and industrial693  516  1,619  2,828  177,436  180,264  
Consumer412  129  139  680  46,695  47,375  
Total other loans1,105  645  1,758  3,508  224,131  227,639  
Total loans$10,011  $6,432  $15,223  $31,666  $1,675,776  $1,707,442  

17

 December 31, 2018
(dollars in thousands)30-59
Days
Past
Due		60-89
Days
Past
Due		Greater
Than
90 Days
Past
Due		Total
Past
Due		Current
Loans		Total
Loans
Originated loans:
Real estate loans:
One- to four-family first mortgage
$3,913  $270  $64  $4,247  $223,355  $227,602  
Home equity loans and lines326  61  41  428  53,487  53,915  
Commercial real estate714  34  168  916  438,360  439,276  
Construction and land576  —  740  1,316  159,916  161,232  
Multi-family residential—  —  —  —  42,222  42,222  
Total real estate loans5,529  365  1,013  6,907  917,340  924,247  
Other loans:
Commercial and industrial362  1,369  265  1,996  131,206  133,202  
Consumer319  131  196  646  37,065  37,711  
Total other loans681  1,500  461  2,642  168,271  170,913  
Total originated loans$6,210  $1,865  $1,474  $9,549  $1,085,611  $1,095,160  
Acquired loans:
Real estate loans:
One- to four-family first mortgage
$4,196  $1,258  $3,702  $9,156  $213,605  $222,761  
Home equity loans and lines462  116  163  741  29,320  30,061  
Commercial real estate3,104  265  1,143  4,512  196,787  201,299  
Construction and land1,050  488  813  2,351  30,014  32,365  
Multi-family residential84  —  —  84  12,149  12,233  
Total real estate loans8,896  2,127  5,821  16,844  481,875  498,719  
Other loans:
Commercial and industrial4,315  109  329  4,753  34,979  39,732  
Consumer357  277  262  896  15,247  16,143  
Total other loans4,672  386  591  5,649  50,226  55,875  
Total acquired loans$13,568  $2,513  $6,412  $22,493  $532,101  $554,594  
Total loans:
Real estate loans:
One- to four-family first mortgage
$8,109  $1,528  $3,766  $13,403  $436,960  $450,363  
Home equity loans and lines788  177  204  1,169  82,807  83,976  
Commercial real estate3,818  299  1,311  5,428  635,147  640,575  
Construction and land1,626  488  1,553  3,667  189,930  193,597  
Multi-family residential84  —  —  84  54,371  54,455  
Total real estate loans14,425  2,492  6,834  23,751  1,399,215  1,422,966  
Other loans:
Commercial and industrial4,677  1,478  594  6,749  166,185  172,934  
Consumer676  408  458  1,542  52,312  53,854  
Total other loans5,353  1,886  1,052  8,291  218,497  226,788  
Total loans$19,778  $4,378  $7,886  $32,042  $1,617,712  $1,649,754  

The increase in loans greater than 90 days past due for the nine months ending September 30, 2019 was primarily due to a $6.4 million non-performing commercial relationship which filed for bankruptcy during the third quarter of 2019. Excluding Acquired Loans with deteriorated credit quality, the Company did not have any loans greater than 90 days past due and accruing as of September 30, 2019 or December 31, 2018.
18

The following table summarizes the accretable discount on loans accounted for under ASC 310-30 as of the dates indicated.

 Nine Months Ended
(dollars in thousands)September 30,
2019		September 30,
2018
Balance at beginning of period$(9,147) $(9,303) 
Accretion1,571  1,849  
Transfers from nonaccretable difference to accretable discount(462) (2,559) 
Balance at end of period$(8,038) $(10,013) 
The following table summarizes information pertaining to originated loans, which were deemed impaired loans as of the dates indicated.
 For the Period Ended September 30, 2019
(dollars in thousands)Recorded
Investment		Unpaid
Principal
Balance		Related
Allowance		Average
Recorded
Investment		Interest
Income
Recognized
With no related allowance recorded:
One- to four-family first mortgage
$187  $187  $—  $84  $—  
Home equity loans and lines410  453  —  423  —  
Commercial real estate19  22  —  48  —  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial295  332  —  1,320  —  
Consumer—  —  —  —  —  
Total$911  $994  $—  $1,875  $—  
With an allowance recorded:
One- to four-family first mortgage
$—  $—  $—  $—  $—  
Home equity loans and lines390  432  348  406  —  
Commercial real estate6,811  6,885  361  6,836  —  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial938  1,217  701  443  —  
Consumer—  —  —  —  —  
Total$8,139  $8,534  $1,410  $7,685  $—  
Total impaired loans:
One- to four-family first mortgage
$187  $187  $—  $84  $—  
Home equity loans and lines800  885  348  829  —  
Commercial real estate6,830  6,907  361  6,884  —  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial1,233  1,549  701  1,763  —  
Consumer—  —  —  —  —  
Total$9,050  $9,528  $1,410  $9,560  $—  


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 For the Period Ended December 31, 2018
(dollars in thousands)Recorded
Investment		Unpaid
Principal
Balance		Related
Allowance		Average
Recorded
Investment		Interest
Income
Recognized
With no related allowance recorded:
One- to four-family first mortgage
$—  $—  $—  $—  $—  
Home equity loans and lines441  476  —  454  —  
Commercial real estate149  161  —  32  7  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial1,540  1,904  —  438  —  
Consumer—  —  —  —  —  
Total$2,130  $2,541  $—  $924  $7  
With an allowance recorded:
One- to four-family first mortgage
$—  $—  $—  $—  $—  
Home equity loans and lines425  457  349  440  —  
Commercial real estate6,910  6,910  484  2,057  38  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial412  442  321  1,367  1  
Consumer—  —  —  —  —  
Total$7,747  $7,809  $1,154  $3,864  $39  
Total impaired loans:
One- to four-family first mortgage
$—  $—  $—  $—  $—  
Home equity loans and lines866  933  349  894  —  
Commercial real estate7,059  7,071  484  2,089  45  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial1,952  2,346  321  1,805  1  
Consumer—  —  —  —  —  
Total$9,877  $10,350  $1,154  $4,788  $46  
 For the Period Ended September 30, 2018
(dollars in thousands)Recorded
Investment		Unpaid
Principal
Balance		Related
Allowance		Average
Recorded
Investment		Interest
Income
Recognized
With no related allowance recorded:
One- to four-family first mortgage
$—  $—  $—  $—  $—  
Home equity loans and lines450  476  —  458  —  
Commercial real estate21  33  —  22  —  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial324  440  —  347  —  
Consumer—  —  —  —  —  
Total$795  $949  $—  $827  $—  
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With an allowance recorded:
One- to four-family first mortgage
$—  $—  $—  $—  $—  
Home equity loans and lines435  461  348  443  —  
Commercial real estate5,923  5,923  187  658  —  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial2,686  2,905  862  1,186  —  
Consumer—  —  —  —  —  
Total$9,044  $9,289  $1,397  $2,287  $—  
Total impaired loans:
One- to four-family first mortgage
$—  $—  $—  $—  $—  
Home equity loans and lines885  937  348  901  —  
Commercial real estate5,944  5,956  187  680  —  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial3,010  3,345  862  1,533  —  
Consumer—  —  —  —  —  
Total$9,839  $10,238  $1,397  $3,114  $—  

The following table summarizes information pertaining to nonaccrual loans as of dates indicated.

 September 30, 2019December 31, 2018
(dollars in thousands)Originated
Acquired(1)
TotalOriginated
Acquired(1)
Total 
Nonaccrual loans:
One- to four-family first mortgage
$2,022  $2,392  $4,414  $1,984  $3,188  $5,172  
Home equity loans and lines840  185  1,025  1,457  242  1,699  
Commercial real estate7,710  5,876  13,586  7,940  3,403  11,343  
Construction and land494  1,373  1,867  740  854  1,594  
Multi-family residential—  —  —  —  —  —  
Commercial and industrial2,108  1,778  3,886  2,986  1,002  3,988  
Consumer47  181  228  273  343  616  
Total$13,221  $11,785  $25,006  $15,380  $9,032  $24,412  
(1)Table excludes Acquired Loans which were being accounted for under ASC 310-30 because they continue to earn interest from accretable yield regardless of their status as past due or otherwise not in compliance with their contractual terms. Acquired Loans with deteriorated credit quality which were being accounted for under ASC 310-30 and which were 90 days or more past due totaled $2.4 million and $1.7 million as of September 30, 2019 and December 31, 2018, respectively.
As of September 30, 2019, the Company had no outstanding commitments to lend additional funds to any customer whose loan was classified as impaired.
Troubled Debt Restructurings
During the course of its lending operations, the Company periodically grants concessions to its customers in an attempt to protect as much of its investment as possible and to minimize risk of loss. These concessions may include restructuring the terms of a customer loan to alleviate the burden of the customer’s near-term cash requirements. Loans are considered troubled debt restructurings (“TDR”) when the Company agrees to restructure a loan to a borrower who is experiencing financial difficulties in a manner that is deemed to be a “concession”. The Company defines a concession as a modification of existing terms granted to a borrower for economic or legal reasons related to the borrower’s financial difficulties that the Company would otherwise not consider. The concession either is granted through an agreement with the customer or is imposed by a court or by law. Concessions include modifying original loan terms to reduce or defer cash payments required as part of the loan agreement, including but not limited to:
 
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•a reduction of the stated interest rate for the remaining original life of the debt,
•an extension of the maturity date or dates at an interest rate lower than the current market rate for new debt with similar risk characteristics,
•a reduction of the face amount or maturity amount of the debt or
•a reduction of accrued interest receivable on the debt.

In its determination of whether the customer is experiencing financial difficulties, the Company considers numerous indicators, including, but not limited to:
 
•whether the customer is currently in default on its existing loan, or is in an economic position where it is probable the customer will be in default on its loan in the foreseeable future without a modification,
•whether the customer has declared or is in the process of declaring bankruptcy,
•whether there is substantial doubt about the customer’s ability to continue as a going concern,
•whether, based on its projections of the customer’s current capabilities, the Company believes the customer’s future cash flows will be insufficient to service the debt, including interest, in accordance with the contractual terms of the existing agreement for the foreseeable future and
•whether, without modification, the customer cannot obtain sufficient funds from other sources at an effective interest rate equal to the current market rate for similar debt for a non-troubled debtor.
If the Company concludes that both a concession has been granted and the concession was granted to a customer experiencing financial difficulties, the Company identifies the loan as a TDR. For purposes of the determination of an allowance for loan losses on TDRs, such loans are reviewed for specific impairment in accordance with the Company’s allowance for loan loss methodology. If it is determined that losses are probable on such TDRs, either because of delinquency or other credit quality indicators, the Company specifically allocates a portion of the allowance for loan losses to these loans.
The following table summarizes information pertaining to TDRs modified during the periods indicated.
 Nine Months Ended September 30,
 20192018
(dollars in thousands)Number of
Contracts		Pre-
modification
Outstanding
Recorded
Investment		Post-
modification
Outstanding
Recorded
Investment		Number of
Contracts		Pre-
modification
Outstanding
Recorded
Investment		Post-
modification
Outstanding
Recorded
Investment
Troubled debt restructurings:
One- to four-family first mortgage
6  $924  $911  2  $1,132  $1,131  
Home equity loans and lines—  —  —  —  —  —  
Commercial real estate1  89  88  1  6,423  5,923  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  —  
Commercial and industrial—  —  —  2  738  676  
Other consumer2  11  10  3  20  20  
Total9  $1,024  $1,009  8  $8,313  $7,750  
None of the performing troubled debt restructurings as of September 30, 2019 had defaulted subsequent to the restructuring through the date the financial statements were available to be issued.
6. Fair Value Measurements and Disclosures
The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The Company groups assets and liabilities measured or disclosed at fair value in three levels as required by ASC 820, Fair Value Measurements and Disclosures. Under this guidance, fair value should be based on the assumptions market participants would use when pricing the asset or liability and establishes a fair value hierarchy that prioritizes the inputs used to develop those assumptions and measure fair value. The hierarchy requires companies to maximize the use of observable inputs and minimize the use of unobservable inputs. The three levels used to measure fair value are as follows:


 
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•Level 1 – Quoted prices in active markets for identical assets or liabilities.
•Level 2 – Observable inputs other than quoted prices included in Level 1, such as quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets and liabilities in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.
•Level 3 – Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. This includes certain pricing models, discounted cash flow methodologies and similar techniques that use significant unobservable inputs.
An asset’s or liability’s categorization within the fair value hierarchy is based upon the lowest level that is significant to the fair value measurement. Management reviews and updates the fair value hierarchy classifications of the Company’s assets and liabilities quarterly.
Recurring Basis
Investment Securities Available for Sale
Fair values of investment securities available for sale are primarily measured using information from a third-party pricing service. This pricing service provides pricing information by utilizing pricing models supported with market data information. Standard inputs include benchmark yields, reported trades, broker/dealer quotes, issuer spreads, benchmark securities bids, offers and other reference data from market research publications. If quoted prices are available in an active market, investment securities are classified as Level 1 measurements. If quoted prices are not available in an active market, fair values are estimated primarily by the use of pricing models. Level 2 investment securities are primarily comprised of mortgage-backed securities issued by government agencies and U.S. government-sponsored enterprises. In certain cases, where there is limited or less transparent information provided by the Company’s third-party pricing service, fair value is estimated by the use of secondary pricing services or through the use of non-binding third-party broker quotes. Investment securities are classified within Level 3 when little or no market activity supports the fair value.
Management primarily identifies investment securities which may have traded in illiquid or inactive markets, by identifying instances of a significant decrease in the volume and frequency of trades, relative to historical levels, as well as instances of a significant widening of the bid-ask spread in the brokered markets. Investment securities that are deemed to have been trading in illiquid or inactive markets may require the use of significant unobservable inputs. For example, management may use quoted prices for similar investment securities in the absence of a liquid and active market for the investment securities being valued. As of September 30, 2019, management did not make adjustments to prices provided by the third-party pricing service as a result of illiquid or inactive markets.
The following tables present the balances of assets measured for fair value on a recurring basis as of September 30, 2019 and December 31, 2018.

(dollars in thousands)September 30, 2019Level 1Level 2Level 3
Available for sale securities:
U.S. agency mortgage-backed$83,695  $—  $83,695  $—  
Collateralized mortgage obligations152,384  —  152,384  —  
Municipal bonds15,214  —  15,214  —  
U.S. government agency3,821  —  3,821  —  
Total$255,114  $—  $255,114  $—  

(dollars in thousands)December 31, 2018Level 1Level 2Level 3
Available for sale securities:
U.S. agency mortgage-backed$85,909  $—  $85,909  $—  
Collateralized mortgage obligations143,591  —  143,591  —  
Municipal bonds21,477  —  21,477  —  
U.S. government agency9,154  —  9,154  —  
Total$260,131  $—  $260,131  $—  

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The Company did not record any liabilities at fair value for which measurement of the fair value was made on a recurring basis.
Nonrecurring Basis
In accordance with the provisions of ASC 310, Receivables, the Company records loans considered impaired at fair value. A loan is considered impaired if it is probable the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Fair value is measured at the fair value of the collateral for collateral-dependent loans. For non-collateral-dependent loans, fair value is measured by present valuing expected future cash flows. Impaired loans are classified as Level 3 assets when measured using appraisals from third parties of the collateral less any prior liens and when there is no observable market price. Foreclosed assets are initially recorded at fair value less estimated costs to sell. Surplus real estate ("ORE") is recorded at the lower of its net book value or fair value at the date of transfer to ORE. The fair value of foreclosed assets and ORE is based on property appraisals and an analysis of similar properties available. As such, the Company classifies foreclosed and ORE assets as Level 3 assets.
The Company has segregated all financial assets that are measured at fair value on a nonrecurring basis into the most appropriate level within the fair value hierarchy based on the inputs used to determine the fair value at the measurement date as reflected in the table below.
  Fair Value Measurements Using
(dollars in thousands)September 30, 2019Level 1Level 2Level 3
Assets
Impaired loans$7,640  $—  $—  $7,640  
Foreclosed assets and ORE2,592  —  —  2,592  
Total$10,232  $—  $—  $10,232  
  Fair Value Measurements Using
(dollars in thousands)December 31, 2018Level 1Level 2Level 3
Assets
Impaired loans$8,723  $—  $—  $8,723  
Foreclosed assets and ORE1,558  —  —  1,558  
Total$10,281  $—  $—  $10,281  

The following table shows significant unobservable inputs used in the fair value measurement of Level 3 assets.

(dollars in thousands)Fair
Value		Valuation TechniqueUnobservable
Inputs		Range of
Discounts		Weighted
Average
Discount
As of September 30, 2019:
Impaired loans$7,640  Third party appraisals and discounted cash flowsCollateral values, market discounts and estimated costs to sell
0% - 89%
17%
Foreclosed assets and ORE$2,592  Third party appraisals, sales contracts, broker price opinionsCollateral values, market discounts and estimated costs to sell
6% - 100%
37%
(dollars in thousands)Fair
Value		Valuation TechniqueUnobservable
Inputs		Range of
Discounts		Weighted
Average
Discount
As of December 31, 2018:
Impaired loans$8,723  Third party appraisals and discounted cash flowsCollateral values, market discounts and estimated costs to sell
0% - 100%
12%
Foreclosed assets and ORE$1,558  Third party appraisals, sales contracts, broker price opinionsCollateral values, market discounts and estimated costs to sell
6% - 68%
20%
ASC 820, Fair Value Measurements and Disclosures, requires the disclosure of each class of financial instruments for which it is practicable to estimate. The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those
24

techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. ASC 820 excludes certain financial instruments and all non-financial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company.
Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial statements. These estimates are subjective in nature, involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
Fair value estimates included herein are based on existing on- and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the fair value of assets and liabilities that are not required to be recorded or disclosed at fair value like premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.
The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value.
The carrying value of cash and cash equivalents and interest-bearing deposits in banks approximate their fair value.
The fair value for investment securities is determined from quoted market prices when available. If a quoted market price is not available, fair value is estimated using third party pricing services or quoted market prices of securities with similar characteristics.
The carrying value of mortgage loans held for sale approximates their fair value.
The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturity.
The cash surrender value of bank-owned life insurance (“BOLI”) approximates its fair value.
The fair value of customer deposits, excluding certificates of deposit, is the amount payable on demand. The fair value of fixed-maturity certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities.
The fair value of long-term FHLB advances is estimated by discounting the future cash flows using the rates currently offered for advances of similar maturities.
The following table presents estimated fair values of the Company’s financial instruments as of the dates indicated.

  Fair Value Measurements at September 30, 2019
(dollars in thousands)Carrying
Amount		TotalLevel 1Level 2Level 3
Financial Assets
Cash and cash equivalents$61,289  $61,289  $61,289  $—  $—  
Interest-bearing deposits in banks449  449  449  —  —  
Investment securities available for sale255,114  255,114  —  255,114  —  
Investment securities held to maturity7,193  7,238  —  7,238  —  
Mortgage loans held for sale6,909  6,909  —  6,909  —  
Loans, net1,689,844  1,684,650  —  1,677,010  7,640  
Cash surrender value of BOLI39,228  39,228  39,228  —  —  
Financial Liabilities
Deposits$1,831,406  $1,832,247  $—  $1,832,247  $—  
Other borrowings5,539  5,951  —  5,951  —  
Long-term FHLB advances47,853  47,749  —  47,749  —  
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  Fair Value Measurements at December 31, 2018
(dollars in thousands)Carrying
Amount		TotalLevel 1Level 2Level 3
Financial Assets
Cash and cash equivalents$59,618  $59,618  $59,618  $—  $—  
Interest-bearing deposits in banks939  939  939  —  —  
Investment securities available for sale260,131  260,131  —  260,131  —  
Investment securities held to maturity10,872  10,841  —  10,841  —  
Mortgage loans held for sale2,086  2,086  —  2,086  —  
Loans, net1,633,406  1,623,920  —  1,615,197  8,723  
Cash surrender value of BOLI29,560  29,560  29,560  —  —  
Financial Liabilities
Deposits$1,773,217  $1,769,087  $—  $1,769,087  $—  
Other borrowings5,539  5,542  —  5,542  —  
Long-term FHLB advances58,698  57,527  —  57,527  —  


26

Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations.
The purpose of this discussion and analysis is to focus on significant changes in the financial condition of Home Bancorp, Inc. (the “Company”) and its wholly owned subsidiary, Home Bank, N. A. (the “Bank”), from December 31, 2018 through September 30, 2019 and on its results of operations for the three and nine months ended September 30, 2019 and 2018. This discussion and analysis is intended to highlight and supplement information presented elsewhere in this quarterly report on Form 10-Q, particularly the consolidated financial statements and related notes appearing in Item 1.
Forward-Looking Statements
To the extent that statements in this Form 10-Q relate to future plans, objectives, financial results or performance of the Company or Bank, these statements are deemed to be forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements, which are based on management’s current information, estimates and assumptions and the current economic environment, are generally identified by the use of words such as “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project” or similar expressions, or by future or conditional terms such as “will”, “would”, “should”, “could”, “may”, “likely”, “probably”, or “possibly”. The Company’s or the Bank’s actual strategies and results in future periods may differ materially from those currently expected due to various risks and uncertainties. Factors that may cause actual results to differ materially from these forward-looking statements include, but are not limited to, the risk factors described under the heading “Risk Factors” in the Company’s Annual Report on Form 10-K filed with the Securities Exchange Commission (“SEC”) for the year ended December 31, 2018. The Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.
EXECUTIVE OVERVIEW
During the third quarter of 2019, the Company earned $6.9 million, a decrease of $1.4 million, or 17.0%, compared to the third quarter of 2018. Diluted earnings per share for the third quarter of 2019 were $0.75, a decrease of $0.14, or 15.7%, compared to the third quarter of 2018.
During the nine months ended September 30, 2019, the Company earned $21.3 million, a decrease of $2.2 million, or 9.3%, compared to the nine months ended September 30, 2018. Diluted earnings per share for the nine months ended September 30, 2019 were $2.32, a decrease of $0.21, or 8.3%, compared to the nine months ended September 30, 2018. Net income for the nine months ended September 30, 2018 included merger-related expenses of $1.6 million, net of tax.

Key components of the Company’s performance during the three and nine months ended September 30, 2019 include:
 
•Total assets increased $64.4 million, or 3.0%, from December 31, 2018 to $2.2 billion at September 30, 2019.

•Loans increased of $57.7 million, or 3.5%, from December 31, 2018 to $1.7 billion at September 30, 2019.

•Total deposits increased $58.2 million, or 3.3%, from December 31, 2018 to $1.8 billion at September 30, 2019.

•Interest income decreased $635,000, or 2.4%, for the third quarter of 2019 compared to the third quarter of 2018. For the nine months ended September 30, 2019, interest income increased $355,000, or 0.5%, compared to the nine months ended September 30, 2018. Interest income for the three and nine months ended September 30, 2019 included a $680,000 (pre-tax) charge due to the write-off of the FDIC loss sharing indemnification receivable.

•Interest expense increased $1.7 million, or 66.7%, in the third quarter of 2019 compared to the third quarter of 2018. For the nine months ended September 30, 2019, interest expense increased $5.0 million, or 70.4%, compared to the nine months ended September 30, 2018. Interest expense increased over the comparable periods primarily due to increases in the average rate paid on deposits.

•The provision for loan losses for the third quarter of 2019 increased $360,000, or 45.8%, to $1.1 million, compared to the third quarter of 2018. The provision increased primarily due to a nonperforming commercial loan relationship which filed for bankruptcy during the third quarter of 2019. For the nine months ended September 30, 2019, the Company recorded a provision for loan losses of $2.3 million, a decrease of $30,000, or 1.3%, compared to the same period in 2018. The ratio of allowance for loan losses to total loans was 1.03% at September 30, 2019, compared to 0.99% at December 31, 2018.

27

•Noninterest income for the third quarter of 2019 increased $1.4 million, or 42.9%, compared to the third quarter of 2018 primarily due to a non-taxable bank-owned life insurance ("BOLI") benefit of $1.2 million. For the nine months ended September 30, 2019, noninterest income increased $748,000, or 7.4%, compared to the nine months ended September 30, 2018 primarily due to the third quarter 2019 life insurance benefit, partially offset by asset write-downs of $347,000 (pre-tax) recorded in the second quarter of 2019.

•Noninterest expense for the third quarter of 2019 increased $914,000, or 5.8%, compared to the third quarter of 2018 primarily due to an increase in compensation and benefits expense. Noninterest expense for the nine months ended September 30, 2019 increased $245,000, or 0.5%, compared to the same period in 2018 primarily due to increases in compensation and benefits and occupancy expenses, partially offset by decreases in certain other expenses. The Company incurred $291,000 (pre-tax) in occupancy expense to terminate an office lease during the second quarter of 2019 and $287,000 (pre-tax) in compensation and benefits expense related to the departure of a former executive during the third quarter of 2019. Noninterest expense for the nine months ended September 30, 2018 included merger-related expenses of $2.0 million (pre-tax).
FINANCIAL CONDITION
Loans, Asset Quality and Allowance for Loan Losses

Loans – Loans outstanding as of September 30, 2019 were $1.7 billion, an increase of $57.7 million, or 3.5%, from December 31, 2018. The increase was primarily the result of commercial real estate ("CRE") loan growth of $78.8 million, or 12.3%, offset partially by declines in residential mortgage loans (down $17.4 million, or 3.9%). CRE loan growth was strongest in the Acadiana and New Orleans markets.
The Company also experienced growth in commercial and industrial ("C&I") loans (up $7.3 million, or 4.2%) and multi-family residential loans (up $2.3 million, or 4.2%), offset by declines in consumer loans (down $6.5 million, or 12.0%) and construction and land loans (down $4.7 million, or 2.4%). C&I loan growth was due primarily to increases in agriculture production and farm-related loans in the southwest Acadiana market. Multi-family residential loan growth was primarily within the New Orleans market. The decline in construction and land loans was primarily due to the completion of the construction phase of certain larger construction loans and their conversion to permanent CRE loans.
The following table summarizes the composition of the Company’s loan portfolio as of the dates indicated.
 September 30,December 31,Increase/(Decrease)
(dollars in thousands)20192018AmountPercent
Real estate loans:
One-to four-family first mortgage
$432,964  $450,363  $(17,399) (3.9)%
Home equity loans and lines81,835  83,976  (2,141) (2.5) 
Commercial real estate719,392  640,575  78,817  12.3  
Construction and land188,879  193,597  (4,718) (2.4) 
Multi-family residential56,733  54,455  2,278  4.2  
Total real estate loans1,479,803  1,422,966  56,837  4.0 %
Other loans:
Commercial and industrial180,264  172,934  7,330  4.2  
Consumer47,375  53,854  (6,479) (12.0) 
Total other loans227,639  226,788  851  0.4  
Total loans$1,707,442  $1,649,754  $57,688  3.5 %

The outstanding balance of direct loans to borrowers in the energy sector totaled $40.1 million, or 2.4% of total outstanding loans, at September 30, 2019, compared to $45.6 million, or 2.8% of total outstanding loans, at December 31, 2018. Unfunded loan commitments to customers in the energy sector totaled $6.0 million at September 30, 2019, compared to $10.1 million at December 31, 2018. At September 30, 2019 and December 31, 2018, loans constituting 94.9% and 96.7%, respectively, of the balance of our direct energy related portfolio were performing in accordance with their original loan agreements.
Asset Quality – One of management’s key objectives has been, and continues to be, maintaining a high level of asset quality. In addition to maintaining credit standards for new loan originations, we proactively monitor loans and collection and workout
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processes of delinquent or problem loans. When a borrower fails to make a scheduled payment, we attempt to cure the deficiency by making personal contact with the borrower. Initial contacts are generally made within 10 days after the date payment is due. In most cases, deficiencies are promptly resolved. If the delinquency continues, late charges are assessed and additional efforts are made to collect the deficiency. All loans which are designated as “special mention,” classified or which are delinquent 90 days or more are reported to the Board of Directors of the Bank monthly. For loans where the collection of principal or interest payments is doubtful, the accrual of interest income ceases. It is our policy, with certain limited exceptions, to discontinue accruing interest and reverse any interest accrued on any loan which is 90 days or more past due. On occasion, this action may be taken earlier if the financial condition of the borrower raises significant concern with regard to their ability to service the debt in accordance with the terms of the loan agreement. Interest income is not accrued on these loans until the borrower’s financial condition and payment record demonstrate an ability to service the debt.
An impaired loan generally is one for which it is probable, based on current information, that the lender will not collect all the amounts due under the contractual terms of the loan. Large groups of smaller balance, homogeneous loans are collectively evaluated for impairment. Loans collectively evaluated for impairment include smaller balance commercial loans, residential real estate loans and consumer loans. These loans are evaluated as a group because they have similar characteristics and performance experience. Larger (i.e., loans with balances of $250,000 or greater) commercial real estate loans, multi-family residential loans, construction and land loans and commercial and industrial loans are individually evaluated for impairment. Third party property valuations are obtained at the time of origination for real estate secured loans. When a determination is made that a loan has deteriorated to the point of becoming a problem loan, updated valuations may be ordered to help determine if there is impairment, which may lead to a recommendation for partial charge off or appropriate allowance allocation. Property valuations are ordered through, and are reviewed by, an appraisal officer at the Bank. The Company typically orders an “as is” valuation for collateral property if a loan is in a criticized loan classification. The Board of Directors is provided with monthly reports on impaired loans. As of September 30, 2019 and December 31, 2018, loans identified as impaired and individually evaluated for impairment, excluding Acquired Loans, amounted to $9.1 million and $9.9 million, respectively. As of September 30, 2019 and December 31, 2018, acquired impaired loans (loans considered to have deteriorated credit quality at the time of acquisition) amounted to $8.9 million and $10.0 million, respectively. As of September 30, 2019 and December 31, 2018, substandard loans, excluding Acquired Loans, amounted to $17.5 million and $21.7 million, respectively. As of September 30, 2019 and December 31, 2018, Acquired Loans considered substandard amounted to $25.5 million and $24.5 million, respectively. The amount of the allowance for loan losses allocated to originated impaired loans totaled $1.4 million as of September 30, 2019 and $1.2 million as of December 31, 2018. The amount of the allowance for loan losses allocated to Acquired Loans totaled $1.9 million and $1.5 millions, respectively, at such dates. There were no assets classified as doubtful or loss as of September 30, 2019 or December 31, 2018.
Federal regulations and our policies require that we utilize an internal asset classification system as a means of reporting problem and potential problem assets. We have incorporated an internal asset classification system, substantially consistent with Federal banking regulations, as a part of our credit monitoring system. Federal banking regulations set forth a classification scheme for problem and potential problem assets as “substandard,” “doubtful” or “loss” assets. An asset is considered “substandard” if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. “Substandard” assets include those characterized by the “distinct possibility” that the insured institution will sustain “some loss” if the deficiencies are not corrected. Assets classified as “doubtful” have all of the weaknesses inherent in those classified “substandard” with the added characteristic that the weaknesses present make “collection or liquidation in full,” on the basis of currently existing facts, conditions and values, “highly questionable and improbable.” Assets classified as “loss” are those considered “uncollectible” and of such little value that their continuance as assets without the establishment of a specific loss reserve is not warranted.
A bank’s determination as to the classification of its assets and the amount of its valuation allowances is subject to review by Federal bank regulators which can order the establishment of additional general or specific loss allowances. The Federal banking agencies have adopted an interagency policy statement on the allowance for loan and lease losses. The policy statement provides guidance for financial institutions on both the responsibilities of management for the assessment and establishment of allowances and guidance for banking agency examiners to use in determining the adequacy of general valuation guidelines. Generally, the policy statement recommends that institutions have effective systems and controls to identify, monitor and address asset quality problems; that management analyze all significant factors that affect the collectability of the portfolio in a reasonable manner; and that management establish acceptable allowance evaluation processes that meet the objectives set forth in the policy statement. Our management believes that, based on information currently available, our allowance for loan losses is maintained at a level which covers all known and inherent losses that are both probable and reasonably estimable as of each reporting date. However, actual losses are dependent upon future events and, as such, further additions to the level of allowance for loan losses may become necessary.
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Foreclosed assets and surplus real estate ("ORE") includes real property and other assets that have been acquired as a result of foreclosure, and real property no longer used in the Bank's business. Foreclosed assets and ORE are classified as such until sold or disposed. Foreclosed assets are recorded at fair value less estimated selling costs based on third party property valuations which are obtained at the time the asset is repossessed and periodically until the property is liquidated. ORE is recorded at the lower of its net book value or fair value at the date of transfer to ORE. Foreclosed assets and ORE holding costs are charged to expense. Gains and losses on the sale of foreclosed assets and ORE are charged to operations, as incurred. Costs associated with acquiring and improving a foreclosed property or ORE are usually capitalized to the extent that the carrying value does not exceed fair value less estimated selling costs.
The following table sets forth the composition of the Company’s nonperforming assets (“NPAs”) and performing troubled debt restructurings as of the dates indicated.
 September 30, 2019December 31, 2018
(dollars in thousands)Originated
Acquired(1)
TotalOriginated
Acquired(1)
Total 
Nonaccrual loans(2):
Real estate loans:
One- to four-family first mortgage
$2,022  $2,392  $4,414  $1,984  $3,188  $5,172  
Home equity loans and lines840  185  1,025  1,457  242  1,699  
Commercial real estate7,710  5,876  13,586  7,940  3,403  11,343  
Construction and land494  1,373  1,867  740  854  1,594  
Multi-family residential—  —  —  —  —  —  
Other loans:
Commercial and industrial2,108  1,778  3,886  2,986  1,002  3,988  
Consumer47  181  228  273  343  616  
Total nonaccrual loans13,221  11,785  25,006  15,380  9,032  24,412  
Accruing loans 90 days or more past due—  —  —  —  —  —  
Total nonperforming loans 
13,221  11,785  25,006  15,380  9,032  24,412  
Foreclosed assets and ORE712  1,880  2,592  146  1,412  1,558  
Total nonperforming assets13,933  13,665  27,598  15,526  10,444  25,970  
Performing troubled debt restructurings1,712  213  1,925  1,117  289  1,406  
Total nonperforming assets and troubled debt restructurings$15,645  $13,878  $29,523  $16,643  $10,733  $27,376  
Nonperforming loans to total loans1.46 %1.48 %
Nonperforming loans to total assets1.13 %1.13 %
Nonperforming assets to total assets1.24 %1.21 %
(1)Table excludes Acquired Loans which were being accounted for under ASC 310-30 because they continue to earn interest from accretable yield regardless of their status as past due or otherwise not in compliance with their contractual terms. Acquired Loans with deteriorated credit quality which were being accounted for under ASC 310-30, and which were 90 days or more past due, totaled $2.4 million and $1.7 million as of September 30, 2019 and December 31, 2018, respectively.
(2)Nonaccrual loans include originated restructured loans placed on nonaccrual totaling $8.8 million and $10.3 million at September 30, 2019 and December 31, 2018, respectively. Acquired restructured loans placed on nonaccrual totaled $2.0 million and $4.2 million at September 30, 2019 and December 31, 2018, respectively.
The Company recorded net loan charge-offs for the third quarter of 2019 of $787,000 and net loan charge-offs for the nine months ended September 30, 2019 of $1.1 million. The Company recorded net loan charge-offs for the third quarter of 2018 of $15,000, and net loan charge-offs for the nine months ended September 30, 2018 of $1.4 million.
Allowance for Loan Losses – The allowance for loan losses is established through provisions for loan losses. The Company maintains the allowance at a level believed, to the best of management’s knowledge, to cover all known and inherent losses in the portfolio that are both probable and reasonable to estimate at each reporting date. Management reviews the allowance for loan losses at least quarterly in order to identify those inherent losses and to assess the overall collection probability for the loan portfolio. The evaluation process includes, among other things, an analysis of delinquency trends, nonperforming loan trends, the level of charge-offs and recoveries, prior loss experience, total loans outstanding, the volume of loan originations, the type, size and geographic concentration of loans, the value of collateral securing loans, the borrower’s ability to repay and repayment performance, the number of loans requiring heightened management oversight, economic conditions and industry experience.
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Based on this evaluation, management assigns risk ratings to segments of the loan portfolio. Such risk ratings are periodically reviewed by management and revised as deemed appropriate. These efforts are supplemented by reviews and validations performed by independent loan reviewers. The results of the reviews are reported to the Audit Committee of the Board of Directors. The establishment of the allowance for loan losses is significantly affected by management judgment. There is likelihood that different amounts would be reported under different conditions or assumptions. Federal regulatory agencies, as an integral part of their examination process, periodically review our allowance for loan losses. Such agencies may require management to make additional provisions for estimated loan losses based upon judgments different from those of management.
With respect to Acquired Loans, the Company follows the reserve standard set forth in ASC 310, Receivables. At acquisition, the Company reviews each loan to determine whether there is evidence of deterioration in credit quality since origination and if it is probable that the Company will be unable to collect all amounts due according to the loan’s contractual terms. The Company considers expected prepayments and estimates the amount and timing of undiscounted expected principal, interest and other cash flows for each loan pool meeting the criteria above, and determines the excess of the loan pool’s scheduled contractual principal and interest payments in excess of cash flows expected at acquisition as an amount that should not be accreted (nonaccretable difference). The remaining amount, representing the excess of the pool’s cash flows expected to be collected over the fair value, is accreted into interest income over the remaining life of the pool (accretable yield). The Company records a discount on these loans at acquisition to record them at their estimated fair values. As a result, Acquired Loans subject to ASC 310 are excluded from the calculation of the allowance for loan losses as of the acquisition date. See Note 5 to the Unaudited Consolidated Financial Statements for additional information concerning our allowance for Acquired Loans.
Acquired Loans were recorded at their acquisition date fair value, which was based on expected cash flows and included an estimation of expected future loan losses. If the present value of expected cash flows for a pool is less than its carrying value, an impairment is recognized by an increase in the allowance for loan losses and a charge to the provision for loan losses. As of September 30, 2019 and December 31, 2018, $1.9 million and $1.5 million, respectively, of our allowance for loan losses was allocated to Acquired Loans.

We will continue to monitor and modify our allowance for loan losses as conditions warrant. No assurance can be given that our level of allowance for loan losses will cover all of the inherent losses on our loans or that future adjustments to the allowance for loan losses will not be necessary if economic and other conditions differ substantially from the conditions used by management to determine the current level of the allowance for loan losses or as a result of the implementation of the CECL model in 2020.
The following table presents the activity in the allowance for loan losses during the first nine months of 2019.
(dollars in thousands)OriginatedAcquiredTotal
Balance, December 31, 2018$14,860  $1,488  $16,348  
Provision charged to operations1,800  501  2,301  
Loans charged off(1,033) (85) (1,118) 
Recoveries on charged off loans67  —  67  
Balance, September 30, 2019$15,694  $1,904  $17,598  
At September 30, 2019, the Company’s ratio of the allowance for loan losses to total loans was 1.03%, compared to 0.99% and 0.96% at December 31, 2018 and September 30, 2018, respectively. Excluding Acquired Loans, the ratio of the allowance for loan losses to total loans was 1.29% at September 30, 2019, compared to 1.36% and 1.38% at December 31, 2018 and September 30, 2018, respectively.    
The allowance for loan losses attributable to originated energy-sector loans totaled 2.40% of the outstanding balance of originated energy-sector loans at September 30, 2019, compared to 2.39% and 2.50% at December 31, 2018 and September 30, 2018, respectively.
Investment Securities
The Company’s investment securities portfolio totaled $262.3 million as of September 30, 2019, a decrease of $8.7 million, or 3.2%, from December 31, 2018. As of September 30, 2019, the Company had a net unrealized gain on its available for sale investment securities portfolio of $1.5 million, compared to a net unrealized loss of $2.8 million as of December 31, 2018.

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The following table summarizes activity in the Company’s investment securities portfolio during the first nine months of 2019.
(dollars in thousands)Available for SaleHeld to Maturity
Balance, December 31, 2018$260,131  $10,872  
Purchases46,914  —  
Sales—  —  
Principal maturities, prepayments and calls(54,775) (3,517) 
Amortization of premiums and accretion of discounts(1,443) (162) 
Increase in market value4,287  —  
Balance, September 30, 2019$255,114  $7,193  
Funding Sources
Deposits – Deposits totaled $1.8 billion as of September 30, 2019, an increase of $58.2 million, or 3.3%, compared to December 31, 2018. Core deposits (i.e. checking, savings and money market accounts) totaled $1.4 billion as of September 30, 2019, an increase of $15.3 million, or 1.1%, compared to December 31, 2018. Certificates of deposit totaled $393.9 million as of September 30, 2019, an increase of $42.9 million, or 12.2%, compared to December 31, 2018.

The following table sets forth the composition of the Company’s deposits at the dates indicated.

 September 30,December 31,Increase/(Decrease)
(dollars in thousands)20192018AmountPercent
Demand deposit$446,742  $438,146  $8,596  2.0 %
Savings204,807  201,393  3,414  1.7  
Money market272,489  295,705  (23,216) (7.9) 
NOW513,440  486,979  26,461  5.4  
Certificates of deposit393,928  350,994  42,934  12.2  
Total deposits$1,831,406  $1,773,217  $58,189  3.3 %
Federal Home Loan Bank Advances – Long-term FHLB advances totaled $47.9 million as of September 30, 2019 a decrease of $10.8 million, or 18.5%, compared to $58.7 million as of December 31, 2018. The decrease in FHLB advances is primarily due to pay-downs on maturing obligations.
Shareholders’ Equity – Shareholders’ equity increased $10.6 million, or 3.5%, from $304.0 million as of December 31, 2018 to $314.7 million as of September 30, 2019, primarily due to earnings during the period and an increase in accumulated other comprehensive income due to unrealized gains on available-for-sale investment securities.
As of September 30, 2019, the Bank had regulatory capital amounts that were well in excess of regulatory requirements. The following table presents actual and required capital ratios for the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of September 30, 2019 based on the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules were fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.
 ActualMinimum Capital
Required – Basel
III Fully Phased-In		To Be Well
Capitalized Under
Prompt Corrective
Action Provisions
(dollars in thousands)AmountRatioAmountRatioAmountRatio
Bank:
Common equity Tier 1 capital (to risk-weighted assets)$238,964  14.21 %$117,740  7.00 %$109,330  6.50 %
Tier 1 risk-based capital238,964  14.21  142,970  8.50  134,560  8.00  
Total risk-based capital256,562  15.25  176,610  10.50  168,200  10.00  
Tier 1 leverage capital238,964  11.12  85,930  4.00  107,413  5.00  
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LIQUIDITY AND ASSET/LIABILITY MANAGEMENT
Liquidity Management
Liquidity management encompasses our ability to ensure that funds are available to meet the cash flow requirements of depositors and borrowers, while also ensuring adequate cash flow exists to meet the Company’s needs, including operating, strategic and capital. The Company develops its liquidity management strategies as part of its overall asset/liability management process. Our primary sources of funds are from deposits, amortization of loans, loan prepayments and the maturity of loans, investment securities and other investments, and other funds provided from operations. While scheduled payments from the amortization of loans and investment securities and maturing investment securities are relatively predictable sources of funds, deposit flows and loan prepayments can be greatly influenced by general interest rates, economic conditions and competition. The Company also maintains excess funds in short-term, interest-bearing assets that provide additional liquidity.
As of September 30, 2019, cash and cash equivalents totaled $61.3 million. At such date, investment securities available for sale totaled $255.1 million.
The Company uses its liquidity to fund existing and future loan commitments, to fund maturing certificates of deposit and demand deposit withdrawals, to invest in other interest-earning assets and to meet operating expenses. As of September 30, 2019, certificates of deposit maturing within the next 12 months totaled $293.9 million. Based upon historical experience, the Company anticipates that a significant portion of the maturing certificates of deposit will be redeposited with us. For the three months ended September 30, 2019, the average balance of outstanding FHLB advances was $51.2 million. As of September 30, 2019, the Company had $47.9 million in total outstanding FHLB advances and had $727.3 million in additional FHLB advances available.
In addition to cash flow from loan and securities payments and prepayments as well as from sales of securities available for sale, the Company has significant borrowing capacity available to fund liquidity needs. In recent years, the Company has utilized borrowings as a cost efficient addition to deposits as a source of funds. Borrowings consist of advances from the FHLB of Dallas, of which the Company is a member. Under terms of the collateral agreement with the FHLB, the Company pledges residential mortgage loans and investment securities as well as the Company’s stock in the FHLB as collateral for such advances.
Asset/Liability Management
The objective of asset/liability management is to implement strategies for the funding and deployment of the Company’s financial resources that are expected to maximize soundness and profitability over time at acceptable levels of risk. Interest rate sensitivity is the potential impact of changing rate environments on both net interest income and cash flows. The Company measures its interest rate sensitivity over the near term primarily by running net interest income simulations. Our interest rate sensitivity also is monitored by management through the use of a model which generates estimates of the change in its net interest income over a range of interest rate scenarios. Based on the Company’s interest rate risk model, the table below sets forth the results of immediate and sustained changes in interest rates as of September 30, 2019.
Shift in Interest Rates
(in bps)		% Change in Projected
Net Interest Income
200  1.1  
100  0.8
(100) (2.5) 
The actual impact of changes in interest rates will depend on many factors. These factors include the Company’s ability to achieve expected growth in earning assets and maintain a desired mix of earning assets and interest-bearing liabilities, the actual timing of asset and liability repricing, the magnitude of interest rate changes and corresponding movement in interest rate spreads and the level of success of asset/liability management strategies.
Off-Balance Sheet Activities
To meet the financing needs of its customers, the Bank issues financial instruments which represent conditional obligations that are not recognized, wholly or in part, in the statements of financial condition. These financial instruments include commitments to extend credit and standby letters of credit. Such instruments expose the Company to varying degrees of credit and interest rate risk in much the same way as funded loans. The same credit policies are used in these commitments as for on-balance sheet
33

instruments. The Company’s exposure to credit losses from these financial instruments is represented by their contractual amounts.
The following table summarizes our outstanding commitments to originate loans and to advance additional amounts pursuant to outstanding letters of credit, lines of credit and undisbursed construction loans as of September 30, 2019 and December 31, 2018.
 Contract Amount
 September 30,December 31,
(dollars in thousands)20192018
Standby letters of credit$5,036  $4,288  
Available portion of lines of credit238,067  186,446  
Undisbursed portion of loans in process108,062  108,307  
Commitments to originate loans96,488  92,656  
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to be drawn upon, the total commitment amounts generally represent future cash requirements.
Unfunded commitments under commercial lines of credit, revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed.
The Company is subject to certain claims and litigation arising in the ordinary course of business. In the opinion of management, after consultation with legal counsel, the ultimate disposition of these matters is not expected to have a material effect on the financial condition or results of operations of the Company.
RESULTS OF OPERATIONS
During the third quarter of 2019, the Company earned $6.9 million, a decrease of $1.4 million, or 17.0%, compared to the third quarter of 2018. Diluted earnings per share for the third quarter of 2019 were $0.75, a decrease of $0.14, or 15.7%, compared to the third quarter of 2018.
During the nine months ended September 30, 2019, the Company earned $21.3 million, a decrease of $2.2 million, or 9.3%, compared to the nine months ended September 30, 2018. Diluted earnings per share for the nine months ended September 30, 2019 were $2.32, a decrease of $0.21, or 8.3%, compared to the nine months ended September 30, 2018. Net income for the nine months ended September 30, 2018 included merger-related expenses of $1.6 million, net of tax.
Net Interest Income – Net interest income is the difference between the interest income earned on interest-earning assets, such as loans and investment securities, and the interest expense paid on interest-bearing liabilities, such as deposits and borrowings. The Company’s net interest income is largely determined by our net interest spread, which is the difference between the average yield earned on interest-earning assets and the average rate paid on interest-bearing liabilities, and the relative amounts of interest-earning assets and interest-bearing liabilities. The Company’s tax-equivalent net interest spread was 3.79% and 4.53% for the three months ended September 30, 2019 and September 30, 2018, respectively, and 3.97% and 4.46% for the nine months ended September 30, 2019 and September 30, 2018, respectively. The Company’s tax-equivalent net interest margin, which is net interest income as a percentage of average interest-earning assets, was 4.12% and 4.74% for the three months ended September 30, 2019 and September 30, 2018, respectively, and 4.30% and 4.64% for the nine months ended September 30, 2019 and September 30, 2018, respectively.
Net interest income totaled $21.1 million for the three months ended September 30, 2019, a decrease of $2.4 million, or 10.1%, compared to the three months ended September 30, 2018. For the nine months ended September 30, 2019 net interest income totaled $64.7 million, a decrease of $4.6 million, or 6.7%, compared to the nine months ended September 30, 2018. Interest income due to acquired loan discount accretion totaled $420,000 and $1.4 million for the quarters ended September 30, 2019 and September 30, 2018, respectively, and $2.5 million and $4.4 million for the nine months ended September 30, 2019 and September 30, 2018, respectively.
Acquired loan discount accretion for the third quarter of 2019 was reduced by $680,000 (pre-tax) due to the write-off of the Company's FDIC loss sharing indemnification receivable. The receivable represented the present value of expected
34

reimbursable losses on acquired loans covered by a FDIC loss sharing agreement. Loans covered by the agreement, which expires in March 2020, have performed better than originally projected, and the Company does not expect to incur any reimbursable losses during the remaining term of the loss sharing agreement. The loss sharing agreement was entered in connection with the Company's acquisition of certain assets and liabilities of Statewide Bank in a FDIC assisted transaction in 2010. The write-off the of FDIC loss sharing indemnification receivable impacted the Company's tax-equivalent net interest margin by 14 basis points for the quarter ended September 30, 2019 and by four basis points for the nine months ended September 30, 2019. During the first six months of 2019, amortization of the FDIC loss sharing indemnification receivable reduced net interest income by $293,000 (pre-tax).

The following tables set forth, for the periods indicated, information regarding (i) the total dollar amount of interest income of the Company from interest-earning assets and the resultant average yields; (ii) the total dollar amount of interest expense on interest-bearing liabilities and the resultant average rate; (iii) net interest income; (iv) net interest spread; and (v) net interest margin. Information is based on average monthly balances during the indicated periods. Taxable equivalent (“TE”) yields are calculated using a marginal tax rate of 21%.
 Three Months Ended September 30,
 20192018
AverageAverage
Yield/		AverageAverage
Yield/
(dollars in thousands)BalanceInterest
Rate (1)
BalanceInterest
Rate(1)
Interest-earning assets:
Loans receivable(1)
Originated loans$1,193,759  $16,534  5.45 %$961,917  $14,365  5.87 %
Acquired loans504,287  7,028  5.49  669,922  9,753  5.74  
Total loans receivable(1)
1,698,046  23,562  5.46  1,631,839  24,118  5.82  
Investment securities
Taxable241,475  1,401  2.32  245,156  1,516  2.47  
Tax-exempt (TE)
20,303  114  2.83  33,197  178  2.71  
Total investment securities261,778  1,515  2.36  278,353  1,694  2.50  
Other interest-earning assets58,878  397  2.68  47,759  297  2.47  
Total interest-earning assets (TE)2,018,702  $25,474  4.98  1,957,951  $26,109  5.27  
Noninterest-earning assets198,476  179,471  
Total assets$2,217,178  $2,137,422  
Interest-bearing liabilities:
Deposits:
Savings, checking and money market$991,248  $2,215  0.89 %$979,919  $1,379  0.56 %
Certificates of deposit392,214  1,835  1.86  350,308  933  1.06  
Total interest-bearing deposits1,383,462  4,050  1.16  1,330,227  2,312  0.69  
Other borrowings5,550  53  3.80  —  —  —  
Short-term FHLB advances22  —  2.45  1,423  6  1.78  
Long term FHLB advances51,144  230  1.80  62,786  281  1.79  
Total interest-bearing liabilities1,440,178  $4,333  1.19  1,394,436  $2,599  0.74  
Noninterest-bearing liabilities462,227  449,619  
Total liabilities1,902,405  1,844,055  
Shareholders’ equity314,773  293,367  
Total liabilities and shareholders’ equity$2,217,178  $2,137,422  
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Net interest-earning assets$578,524  $563,515  
Net interest spread (TE)$21,141  3.79 %$23,510  4.53 %
Net interest margin (TE)4.12 %4.74 %
(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 lives of the respective loans.
 Nine Months Ended September 30,
 20192018
AverageAverage
Yield/		AverageAverage
Yield/
(dollars in thousands)BalanceInterest
Rate (1)
BalanceInterest
Rate(1)
Interest-earning assets:
Loans receivable(1)
Originated loans$1,145,839  $47,318  5.47 %$937,268  $39,707  5.61 %
Acquired loans525,509  23,254  5.87  700,559  30,741  5.82  
Total loans receivable(1)
1,671,348  70,572  5.59  1,637,827  70,448  5.70  
Investment securities
Taxable244,555  4,655  2.54  238,694  4,355  2.43  
Tax-exempt (TE)
24,001  397  2.79  34,766  543  2.64  
Total investment securities268,556  5,052  2.56  273,460  4,898  2.46  
Other interest-earning assets56,808  1,140  2.68  71,963  1,063  1.97  
Total interest-earning assets (TE)1,996,712  $76,764  5.10  1,983,250  $76,409  5.12  
Noninterest-earning assets194,840  185,501  
Total assets$2,191,552  $2,168,751  
Interest-bearing liabilities:
Deposits:
Savings, checking and money market$986,623  $6,318  0.86 %$994,336  $3,421  0.46 %
Certificates of deposit381,148  4,798  1.68  360,194  2,721  1.01  
Total interest-bearing deposits1,367,771  11,116  1.09  1,354,530  6,142  0.61  
Other Borrowings5,543  159  3.84  —  —  —  
Short-term FHLB advances22  —  2.58  2,868  39  1.81  
Long term FHLB advances55,466  751  1.80  65,666  877  1.78  
Total interest-bearing liabilities1,428,802  $12,026  1.13  1,423,064  $7,058  0.66  
Noninterest-bearing liabilities451,945  458,411  
Total liabilities1,880,747  1,881,475  
Shareholders’ equity310,805  287,276  
Total liabilities and shareholders’ equity$2,191,552  $2,168,751  
Net interest-earning assets$567,910  $560,186  
Net interest spread (TE)$64,738  3.97 %$69,351  4.46 %
Net interest margin (TE)4.30 %4.64 %
(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 lives of the respective loans.

36

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).
Three Months Ended September 30,Nine Months Ended September 30,
2019 Compared to 2018
2019 Compared to 2018
Change Attributable ToChange Attributable To
Total
Increase		Total
Increase
(dollars in thousands)RateVolume(Decrease)RateVolume(Decrease)
Interest income:
Loans receivable$(1,444) $888  $(556) $(1,215) $1,339  $124  
Investment securities(76) (103) (179) 133  21  154  
Other interest-earning assets34  66  100  346  (269) 77  
Total interest income(1,486) 851  (635) (736) 1,091  355  
Interest expense:
Savings, checking and money market accounts806  30  836  2,915  (18) 2,897  
Certificates of deposit748  154  902  1,866  211  2,077  
Other borrowings27  26  53  80  79  159  
FHLB advances2  (59) (57) (49) (116) (165) 
Total interest expense1,583  151  1,734  4,812  156  4,968  
Increase (decrease) in net interest income$(3,069) $700  $(2,369) $(5,548) $935  $(4,613) 
Provision for Loan Losses – For the quarter ended September 30, 2019, the Company recorded a provision for loan losses of $1.1 million, an increase of $360,000, or 45.8%, compared to the $786,000 recorded for the comparable period in 2018. For the nine months ended September 30, 2019, the provision for loan losses totaled $2.3 million, a decrease of $30,000, or 1.3%, compared to $2.3 million recorded for the same period in 2018.
The Company recorded net loan charge-offs of $787,000 during the third quarter of 2019, compared to $15,000 of net loan charge-offs in the third quarter of 2018. For the nine months ended September 30, 2019 and September 30, 2018, the Company recorded net loan charge-offs of $1.1 million and $1.4 million, respectively.
The increase in provision and net loan charge-offs for the quarter ended September 30, 2019 over the comparable period in 2018 was primarily due to a previously recognized $6.4 million non-performing commercial loan relationship which filed for bankruptcy during the third quarter of 2019.
At September 30, 2019, the Company’s ratio of the allowance for loan losses to total loans was 1.03%, compared to 0.99% and 0.96% at December 31, 2018 and September 30, 2018, respectively. Excluding Acquired Loans, the ratio of the allowance for loan losses to total loans was 1.29% at September 30, 2019, compared to 1.36% and 1.38% at December 31, 2018 and September 30, 2018, respectively. The ratio of nonperforming loans to total assets was 1.13% at September 30, 2019, compared to 1.13% and 0.98% at December 31, 2018 and September 30, 2018, respectively.
Noninterest Income – Noninterest income was $4.8 million for the quarter ended September 30, 2019, an increase of $1.4 million, or 42.9%, compared to the $3.3 million earned for the same period in 2018. Noninterest income increased primarily due to the increase in income from bank-owned life insurance. The Company received a non-taxable BOLI benefit of $1.2 million following the death of a former employee during the third quarter of 2019.
Noninterest income increased $748,000, or 7.4%, to $10.9 million for the nine months ended September 30, 2019, compared to $10.2 million for the comparable period in 2018. Noninterest income increased over the comparable nine-month period primarily due to the third quarter 2019 life insurance benefit mentioned above, which was partially offset by asset write-downs of $347,000 (pre-tax) recorded in the second quarter of 2019.

37

Noninterest Expense – Noninterest expense increased $914,000, or 5.8%, to $16.6 million for the quarter ended September 30, 2019, compared to $15.7 million recorded for the same period in 2018. Noninterest expense increased over the comparable quarter primarily due to the increase in compensation and benefits (up $938,000, or 10.1%). The increase in compensation and benefits was primarily driven by elevated employee health care costs, routine annual salary adjustments and $287,000 (pre-tax) of costs related to the departure of a former executive.
Noninterest expense increased $245,000, or 0.5%, to $47.9 million for the nine months ended September 30, 2019, compared to $47.6 million for the same period in 2018. Noninterest expense increased over the comparable periods primarily due to increases in compensation and benefits (up $1.5 million, or 5.4%) and occupancy expenses (up $350,000, or 6.9%), partially offset by declines in certain other noninterest expense categories due to the absence of merger-related expenses in 2019. In addition to the $287,000 (pre-tax) in compensation and benefits related to the departure of a former executive during the third quarter of 2019, noninterest expense for the nine months ended September 30, 2019 included $291,000 (pre-tax) of occupancy costs to terminate an office lease during the second quarter of 2019. Noninterest expense for the nine months ended September 30, 2018 included merger-related expenses of $2.0 million (pre-tax).
Income Taxes – For the quarters ended September 30, 2019 and 2018, the Company incurred income tax expense of $1.3 million and $2.1 million, respectively. For the same periods, the Company’s effective tax rate was 16.0% and 20.3%, respectively. Income tax expense decreased over the comparable quarters primarily due to the increase in non-taxable earnings from bank-owned life insurance during the third quarter of 2019.
For the nine months ended September 30, 2019 and September 30, 2018, the Company incurred income tax expense of $4.2 million and $6.1 million, respectively. For the same periods, the Company's effective tax rate was 16.4% and 20.6%, respectively. The effective tax rate decreased over the comparable nine-month periods primarily due to elevated levels of stock option exercises and an increase in non-taxable earnings from bank-owned life insurance during 2019.

Item 3.Quantitative and Qualitative Disclosures About Market Risk.
Quantitative and qualitative disclosures about market risk are presented in the Company’s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2018, under the heading “Management’s Discussion and Analysis of Financial Condition and Results of Operations – Asset/Liability Management and Market Risk”. Additional information at September 30, 2019 is included herein under Item 2, “Management’s Discussion and Analysis of Financial Condition and Results of Operations – Liquidity and Asset/Liability Management”.

Item 4.Controls and Procedures.
Our management evaluated, with the participation of our Chief Executive Officer and Chief Financial Officer, the effectiveness of our disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934) as of the end of the period covered by this report. Based on such evaluation, our Chief Executive Officer and Chief Financial Officer have concluded that our disclosure controls and procedures are designed to ensure that information required to be disclosed by us in the reports that we file or submit under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and regulations and are operating in an effective manner.
No change in our internal control over financial reporting (as defined in Rules 13a-15(f) and 15(d)-15(f) under the Securities Exchange Act of 1934) occurred during the third quarter of 2019 that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.

38

PART II. OTHER INFORMATION

Item 1.
Legal Proceedings.
Not applicable.

Item 1A.
Risk Factors.
There have been no material changes from the risk factors previously disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2018 filed with the Securities and Exchange Commission.

Item 2.
Unregistered Sales of Equity Securities and the Use of Proceeds.
The Company’s purchases of its common stock made during the quarter consisted of stock repurchases under the Company’s approved plans and are set forth in the following table.
PeriodTotal
Number of
Shares
Purchased		Average
Price Paid
per Share		Total Number of
Shares Purchased
as Part of Publicly
Announced Plans
or Programs
Maximum
Number of Shares
that May Yet be
Purchased Under
the Plan or
Programs(1)
July 1 – July 31, 2019
32,925  $36.89  32,925  555,964  
August 1 – August 31, 2019
49,553  36.50  49,553  506,411  
September 1 – September 30, 2019
41,424  38.64  41,424  464,987  
Total123,902  $37.32  123,902  464,987  
(1)On April 26, 2016, the Company announced a stock repurchase program (the “2016 Repurchase Program”). During the quarter ended September 30, 2019, the Company completed the remaining share repurchases under the 2016 Repurchase Program. On August 28, 2019, the Company announced a new stock repurchase program (the "2019 Repurchase Plan"). Under the 2019 Repurchase Plan, the Company may purchase up to $470,000 shares, or approximately 5% of the its common stock outstanding, through open market or privately negotiated transactions.

Item 3.
Defaults Upon Senior Securities.
None.

Item 4.
Mine Safety Disclosures.
None.

Item 5.
Other Information.
None.

Item 6.
Exhibits and Financial Statement Schedules.

39

No.      Description
31.1    
31.2    
32.0    
101.INS  XBRL Instance Document
101.SCH  XBRL Taxonomy Extension Schema Document
101.CAL  XBRL Taxonomy Extension Calculation Linkbase Document
101.LAB  XBRL Taxonomy Extension Label Linkbase Document
101.PRE  XBRL Taxonomy Extension Presentation Linkbase Document
101.DEF  XBRL Taxonomy Extension Definitions Linkbase Document

40

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

HOME BANCORP, INC.
November 8, 2019By:/s/ John W. Bordelon
John W. Bordelon
President, Chief Executive Officer and Director
November 8, 2019By:/s/ Joseph B. Zanco
Joseph B. Zanco
Executive Vice President and Chief Financial Officer
November 8, 2019By:/s/ Mary H. Hopkins
Mary H. Hopkins
Home Bank, N.A. Senior Vice President and Director of Financial Management

41

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