Hometrust Bancshares, Inc. · NYSE:HTB
Hometrust Bancshares — Southeast Bank Conference 2014
17 slides from Hometrust Bancshares's conference presentation, Jun 25, 2014
Slide 1: HomeTrust Bancshares, Inc. Southeast Bank Conference June 2014
HometTrust Bancshares /Inc. \/ Southeast Bank Conference June 2014 Lt just bettor here
Slide 2: Forward Looking Statements
Forward Looking Statements x EEE DS, This presentation includes “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements often include words such as “believe,” “expect,” “anticipate,” “estimate,” and “intend” or future or conditional ve
Slide 3: HomeTrust Bancshares, Inc. Overview
HometTrust Bancshares, Inc. Overview Headquarters: Asheville, NC Branches: 34 (43) Total Assets: $1.6 billion ($2.8B) Total Loans: $1.1 billion ($1.6B) Total Deposits: $1.2 billion ($2.2B) Market data a8 of 2414 NASDAQ: HTBI | Stock Price: | $15.42 Price to TBV: 83% | Market Cap: | $320 million | An
Slide 4: Introduction to HomeTrust
Introduction to HomeTrust mas Background Founded in 1926, HomeTrust operated as a mutual savings bank until conversion to a stock organization in 2012. + Strong managementteam with significantacquistion and merger integration experience (7 transactions since 1996 with 2 more pending) Management's pe
Slide 5: Goals & Business Strategy
Goals & Business Strategy x a Goals Strategy . Continue to significantly grow the bank Focus on organic growth and merger across the Carolinas, Tennessee, and experience and integration capabilities to Virginia acquire high-performing banks and branches . Continue to improve asset quality metrics .
Slide 6: New Market and New Customer Revenue Growth Strategy
New Market and New Customer Revenue x Growth Strategy a EE * New customer generation + Experian pre-screened mailings - DDA/HELOC + Indirect auto lending — potential 10,000 new customers over 3 years + Other direct mail campaigns on checking ¢ Refer a Friend — earn up to $500 + Universal Banker * Cr
Slide 7: Asset Growth Since 1996
Asset Growth Since 1996 a + Total assets have doubled since 2008 Assets mLoans m= Deposits $2.70" $2,500 $2,000 $1,500 (#000) $1,000 $500 30 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Financial data forthe quarter endad 291/14: amount include the r
Slide 8: Results: Accomplishments Since 2012 Conversion
Results: Accomplishments Since 2012 Conversion x S iit, _____=____"_"""""¢ ” Asset Quality . Improving asset quality through loan workouts and OREO sales é NPAs / Assets at 03/31/14 were 3.90% compared to 5.72% at 03/31/12 : Strong Capital Position . Total Risk-Based Capital Ratio of 22.34% (bank on
Slide 9: Significant Acquisition & System Integration Experience
Significant Acquisition & System Integration Experience x RE OEE Dy Year Project System Conversion TargetAssets 1982 Clyde Savings conversion Integonto CSC = 1996 Tryon Federal merger csc $116 million 1998 Shelby Savings Bank merger NCR $106 million 2001 HomeTrust Bank conversion CSC to FiServ Clear
Slide 10: Improving Asset Quality
Improving Asset Quality Nonperforming Assets / Total Assets Reserves / Total Loans 377% 00% 800% 507% 350% iis 467% 387% 381% 20% 300% 4.00% ee 300% 200% aoc 150% 100% 1008 | g.a6% 0.02 os 00% ooo% + ‘zoo7Fy 200#Y 2008FY 20lDFY ZO FY 2ORFY 2OIBFY ZONE FCS 2oOTFY 200BFY 20OBFY 20I0FY 2M FY 20:2FY 202
Slide 11: Liquidity and Capital To Grow
Liquidity and Capital To Grow x EEE Well-capitalized balance sheet allows fora variety of strategic alternatives, including: + Acquisitions + Share repurchases + Dividends Strong capital ratios at March 31, 2014 (Bank only): + Tier 1 Leverage: 14.54% + TCE/ TA: 21.10% * Total RBC: 22.35% Tier 1 Leve
Slide 12: HomeTrust Franchise Map
HometTrust Franchise Map F euncor rmes nc Bncres essen
Slide 13: Branch Map By Population Density
Branch Map By Population Density x x HTBI (egacy) @ BankGreenvile © JFBI ce) Bone e BAC °
Slide 14: Results of Strategy Execution Since Conversion
Results of Strategy Execution Since Conversion Pro Forma Balance Sheet ‘oa a SATA = Ea Pees =F aS aa hoe pe ononar ai apie Teste lapse fers ss sym saps sea fosetaan sas soe sas sete betes sane se size en Tout Emty i oe ie ae eeee oa on a Loan / Deposits 103.68% 6.32% 94.77% 4.73% 73.05% ‘aan 1 fomty
Slide 15: Loan & Deposit Composition
Loan & Deposit Composition x a ww Loans: At Time of Conversion * Loans: Pro Forma With Recent Acquisitions ? ore Ofer commaras! Conmersal a cosnicten TT Development a “ sacs 2 saree a Hite eames = csi alt 28% ELOCs & ore me Deposits: At Time of Conversion * Deposits: Pro Forma With Recent Acquisitio
Slide 16: Closing Comments
Closing Comments + Executed on post-conversion plan to grow organically and acquisitively + Initiated new business lines, hired key employees, and built infrastructure to drive future earnings growth + Reported strong operating results and announced 3 bank acquisitions and the acquisition of 10 bran
Slide 17: Investor Contacts
Investor Contacts x EEE Dana Stonestreet Chairman, President & CEO Tony VunCannon Senior VP, CFO & Treasurer 10 Woodfin Street Asheville, NC 28801 (828) 259-3939 www.hometrustbanking.com
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