Home Bancshares, Inc. · NYSE:HOMB
Home Bancshares — Investor Presentation (July 2020)
12 slides from Home Bancshares's investor presentation, Jul 30, 2020
Slide 1: HOMB Retail Fireside Chat July 2020
HOMB Retail Fireside Chat 30 July 2020
Slide 2: Forward Looking Statement
Forward Looking Statement This presentation may contain forward-looking statements regarding the Company’s plans, expectations, goals and outlook for the future. Statements in this presentation that are not historical facts should be considered forward-looking statements within the meaning of the Pr
Slide 3: Retail CRE Portfolio Geography
Centennial Bank Retail CRE Portfolio Geography 341 Loans with the Largest Loan at $30MM, and Only 6 Loans Over $10MM Low Leverage with Significant Equity Weighted Average Loan to Value: 54% Seasoned Loans with Largest Balances Originated in 2015 and 2016 Florida Loans are Geographically Disbursed 19
Slide 4: Retail CRE Portfolio Type
Centennial Bank Retail CRE Portfolio Type Heavily weighted to convenience/neighborhood shopping, with strong rebound in collections Type # of Credits Outstanding ($MM) % WA July Coll % Shopping Center 177 $313 75% 80% Strip/Convenience 107 $93 22% 84% Neighborhood Center 53 $86 21% 92% Regional Mall
Slide 5: Retail CRE Deferrals…90 Days and Review…
Retail CRE Deferrals…90 Days and Review… Liberal with first 90-day deferral, but second 90-day process involves robust information gathering, and approval process similar to new loan request Second deferral process began in mid-June, and as of July 26, we have worked through $2.2B of the overall $3.
Slide 6: Other CRE Portfolio Geography
Centennial Bank Other CRE Portfolio Geography 600 Loans with the Largest Loan at $36MM, and 12 Loans Over $10MM Low Leverage with Significant Equity Weighted Average Loan to Value: 57% Largest Balances Originated in 2016 and 2018 Florida Loans are Geographically Disbursed 13% Palm Beach County 13% M
Slide 7: Other CRE Portfolio Type
Centennial Bank Other CRE Portfolio Type Heavily weighted to senior care facilities Type # of Credits Outstanding ($MM) % ALF/SNC/CCRC 41 $293 40% Non-Resi Mixed-Use 109 $77 11% MH and RV Parks 48 $62 9% Restaurants 53 $46 6% Gas Stations 40 $41 6% All Others 309 $206 28% Senior care split about 60/
Slide 8: Other CRE Deferrals…90 Days and Review…
Other CRE Deferrals…90 Days and Review… Liberal with first 90-day deferral, but second 90-day process involves robust information gathering, and approval process similar to new loan request Second deferral process began in mid-June, and as of July 26, we have worked through $2.2B of the overall $3.1
Slide 9: WA LTV by CRE Property Type
Centennial Bank WA LTV by CRE Property Type
Slide 10: WA LTV by Geography
Centennial Bank WA LTV by Geography
Slide 11: Contact Information
Contact Information Corporate Headquarters Home BancShares, Inc. 719 Harkrider Street, Suite 100 P.O. Box 966 Conway, AR 72033 Financial Information Donna Townsell Director of Investor Relations (501) 328-4625 Website www.homebancshares.com
Slide 12: | July 2020 www.homebancshares.com
NASDAQ: HOMB | July 2020 www.homebancshares.com