Home Federal Bancorp, Inc. Of Louisiana · NASDAQ:HFBL
Home Federal Bancorp, Inc. Of Louisiana — Q1 FY2013 Earnings Presentation
11 slides from Home Federal Bancorp, Inc. Of Louisiana's earnings presentation, Dec 4, 2012
Slide 1: 1st Quarter Performance Update
Exhibit 99.1 1st Quarter Performance Update December 2012
Slide 2: Forward Looking Statements
Forward Looking Statements u This document contains forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include
Slide 3: 1st Quarter Highlights
1st Quarter Highlights ► Continued execution and implementation of strategic initiatives drove another strong quarter ► Net income of $939,000 for the three months ended September 30, 2012 ($0.35 fully diluted EPS) driven by stronger net interest income and mortgage banking income ► Quarterly net in
Slide 4: 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 ► 73% net loan gr
Slide 5: Mortgage Banking Growth
Mortgage Banking Growth ► Mortgage banking originations, loan sales, and gains on loan sales continue to be strong ► Sold $120.0 million 1-4 family residential loans, during the year ended June 30, 2012 ► Sell most fixed rate owner occupied mortgage loan originations to manage interest rate risk ► Q
Slide 6: Strong Asset Quality
Strong Asset Quality ► Home Federal’s credit profile has fared significantly better than its peers ► As a result of Home Federal’s disciplined underwriting standards, there were no non-performing assets at September 30, 2012 ► Since 2009 new commercial lending policies, procedures and systems have b
Slide 7: Deposit Base
Deposit Base ► Total deposits have grown 147% since June 30, 2008 ► Established relationship pricing at the bank level ► Deposits are comprised of local relationships Deposit Growth Dollars in thousands 7
Slide 8: Strong, Consistent Financial Performance
Strong, Consistent Financial Performance ► As the loan and deposit mix has changed, net interest margin and earnings have improved ► Earnings should continue to benefit from increased commercial lending efforts ► Home Federal has experienced significant mortgage originations, which has provided mean
Slide 9: Trailing Twelve Months Earnings Per Share Tangible Book Value Per Share
Trailing Twelve Months Earnings Per Share Tangible Book Value Per Share 9 Source: SNL Financial.
Slide 10: Stock Price Performance
Stock Price Performance ► Home Federal Bancorp, Inc. of Louisiana stock has significantly outperformed peers, Louisiana and Texas thrifts and the broad bank indices since its 2nd step transaction Price Performance Since 12/23/10 Source: SNL Financial. Pricing data as of November 30, 2012. Louisiana
Slide 11: Concluding Thoughts
Concluding Thoughts u Over the past several years we have strengthened our senior management team, added seasoned commercial and residential lenders with strong business ties within our primary market area. u We have also invested in new technologies which permit us to deliver state of the art produ
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