Home Federal Bancorp, Inc. Of Louisiana · NASDAQ:HFBL
Home Federal Bancorp, Inc. Of Louisiana — Q3 FY2011 Earnings Presentation
7 slides from Home Federal Bancorp, Inc. Of Louisiana's earnings presentation, May 5, 2011
Slide 1: 3rd Quarter Performance Overview
Exhibit 99.2 3rd Quarter Performance Overview May 2010
Slide 2: 3rd Quarter Highlights
3rd Quarter Highlights ► Continued execution and implementation of strategic initiatives drove a strong quarter ► Net income of $313,000 (for the three months ended March 31, 2011) due to increased volume of interest- earning assets, decreased borrowings and lower interest expense on deposits ► Net
Slide 3: Continued Loan Growth
Continued Loan Growth ► Commercial lending initiatives have resulted in significant loan portfolio growth and diversification ► New commercial lending staff was able to rapidly generate quality loans through borrowers with which the lending staff has strong historical relationships ► During the 2nd
Slide 4: Strong Asset Quality
Strong Asset Quality ► Home Federal’s credit profile has fared significantly better than its peers ► Conservative underwriting has resulted in low levels of non-performing loans and net charge-offs ► Since 2009 new commercial lending policies, procedures and systems have been established ► Third par
Slide 5: Deposit Base
Deposit Base ► Home Federal’s initiatives have begun to improve the funding base of the Company ► Total deposits have grown 81% since June 30, 2008 ► Continue to emphasize increasing commercial deposits and introduce new products to commercial customers and expand our customer base ► Established rel
Slide 6: Strong, Consistent Financial Performance
Strong, Consistent Financial Performance ► As the loan and deposit mix has changed, the net interest margin and earnings have improved ► Earnings are expected to benefit from increased commercial lending efforts ► Home Federal has experienced significant mortgage originations, which has provided mea
Slide 7: Stock Price Performance
Stock Price Performance ► Home Federal Bancorp, Inc. of Louisiana stock has significantly out performed peers, southwest thrifts and the broad bank indices since its 2nd step transaction Price Performance Since 12/23/10 Source: SNL Financial. Pricing data as of April 29, 2011. 7 Peers include nation
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