Home Bancorp, Inc. · NASDAQ:HBCP

Home Bancorp — Merger or Acquisition (August 2017)

14 slides from Home Bancorp's merger presentation, Aug 24, 2017

  1. Slide 1: Home Bancorp, Inc. To Acquire St. Martin Bancshares, Inc.

    Home Bancorp, Inc. To Acquire St. Martin Bancshares, Inc. August 23, 2017

  2. Slide 2: Forward-Looking Statements

    FORWARD - LOOKING STATEMENTS This presentation contains certain forward - looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, as amended. Forward - looking statements do not relate strictly to historical or current facts. Forwa

  3. Slide 3: Additional Information Regarding This Transaction

    Additional Information Regarding This Transaction Home Bancorp intends to file with the SEC a Registration Statement on Form S - 4 relating to the proposed merger , which will include a prospectus for the issuance of shares of Home Bancorp’s common stock in the merger as well as the joint proxy stat

  4. Slide 4: Transaction Rationale

    Transaction Rationale ▪ Strategic merger creates the 3 rd largest bank headquartered in Louisiana with $2.2 billion in assets ▪ Robust earnings accretion expected ▪ Over 20% accretive to earnings per share once full efficiencies are realized ▪ Estimated tangible book value dilution of 9% with less t

  5. Slide 5: Transaction Terms and Key Assumptions

    Transaction Terms and Key Assumptions ▪ Approximately 80% Stock, 20% Cash (1) ▪ Approximately 1,927,000 new HBCP shares to be issued (2) Consideration Transaction Value ▪ Aggregate Value = $ 96.1 million (1,2,3) ▪ $457.47 per share (1,2) Valuation Multiples ▪ Aggregate Value / Tangible Book Value =

  6. Slide 6: St. Martin Bancshares overview

    ▪ Headquartered in St. Martinville , Louisiana ▪ Founded in 1933 ▪ 12 branches ▪ Consistently generates outstanding returns ($ in 000s) 2014 (3) 2015 2016 June 2017 YTD Assets $525,828 $538,493 $580,430 $596,448 Gross Loans 395,689 419,051 443,002 455,456 Deposits 458,735 462,938 496,345 509,766 Tie

  7. Slide 7: Branch Locations

    Home Bank (28 locations) St. Martin Bank & Trust (12 locations) Branch Locations Locations Lafayette

  8. Slide 8: Pro Forma Loan Composition

    Pro Forma Loan Composition St. Martin Bank & Trust (1) Home Bank CRE 36% 1 - 4 Family 32% Agricultur al 9% [CATEGOR Y NAME] [PERCENT AGE] C&I 8% Consumer & Other 6% Home Equity 1% Pro Forma Total Loans: $455 million Yield on Loans: 5.89% Direct Energy Exposure ~ $30MM, or 6.6% of loans ( 2) Total Lo

  9. Slide 9: Pro Forma Deposit Composition

    Pro Forma Deposit Composition Int Bearing NMD 48% Non Interest 34% Retail CDs 15% [CATEGO RY NAME] [PERCENT AGE] St. Martin Bank & Trust (1) Int Bearing NMD 54% Non Interest 23% Retail CDs 20% [CATEGO RY NAME] [PERCENT AGE] Home Bank Int Bearing NMD 52% Non Interest 26% Retail CDs 19% [CATEGO RY NAM

  10. Slide 10: Combined Deposit Market Share

    Combined Deposit Market Share (1) Bank 2016 Rank Deposits in Market ($000) Branches Deposit Market Share (%) Iberiabank 1 $2,891,414 19 26.6 JP Morgan Chase 2 1,360,147 18 12.5 Home Bank – Pro Forma 3 1,020,517 18 9.4 Capital One 4 737,200 9 6.8 MidSouth Bank 5 664,990 17 6.1 Whitney Bank 6 624,284

  11. Slide 11: Disciplined Acquirer since IPO

    Disciplined Acquirer since IPO 300,000 600,000 900,000 1,200,000 1,500,000 1,800,000 2,100,000 2,400,000 2008 2009 2010 2011 2012 2013 2014 2015 2016 Pro Forma - June 2017 Home Bank Total Assets ($000s) St. Martin Bank & Trust Statewide Bank Britton & Koontz Bank Bank of New Orleans CAGR = 17% Guara

  12. Slide 12: Franchise Highlights

    Home Bancorp, Inc. St. Martin Bank & Trust (1) Year Established 1908 1933 Total Assets $1.6 Billion $596 Million Gross Loans / Assets 78% 76% Loans / Deposits 93% 89% NPAs / Assets (excl. TDRs) 1.05% 0.71% Return on Assets (2) 1.22% 1.41% Return on Equity (2) 10.3% 14.4% Net Interest Margin 4.38% 4.

  13. Slide 13: Non-GAAP Reconciliation

    2014 2015 2016 June 2017 – YTD (2) Reported net income $11,688 $12,764 $13,015 $6,391 Less: Taxes (1) 4,091 4,467 4,555 2,237 Non - GAAP net income $7,597 $8,297 $8,460 $4,154 Return on Assets - GAAP 2.49% 2.39% 2.32% 2.17% Less: Effect of taxes 0.87% 0.84% 0.81% 0.76% Non - GAAP Return on Assets 1.

  14. Slide 14: Home Bancorp Inc. - Good for business. Good for life.

    » 2. Home 7f¥ Bancorp Inc. Good for business. Good for life.

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