10-Q 1 hmst-20240930.htm 10-Q hmst-20240930
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
________________________________ 
FORM 10-Q
________________________________ 
☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended: September 30, 2024
OR
☐ Transition Report Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
For the transition period from _____ to _____

Commission file number: 001-35424
________________________________ 
HOMESTREET, INC.
(Exact Name of Registrant as Specified in its Charter)
91-0186600
Washington 91-0186600
(State of Incorporation)(I.R.S. Employer Identification Number)
601 Union Street, Suite 2000
Seattle, Washington 98101
98101
(Address of principal executive offices)(Zip Code)
(206) 623-3050
(Registrant's Telephone Number, Including Area Code)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common StockHMSTNasdaq Global Select Market
Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes ☒    No  ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ☒   No  ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act:
 
Large Accelerated Filer 
☐
Accelerated Filer 
☒

Non-accelerated Filer 
☐
Smaller Reporting Company 
☒

Emerging Growth Company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes ☐  No ☒
The number of outstanding shares of the registrant's common stock as of November 5, 2024 was 18,857,565.


PART I – FINANCIAL INFORMATION
ITEM 1FINANCIAL STATEMENTS
ITEM 2
ITEM 3
ITEM 4
PART II – OTHER INFORMATION
ITEM 1
ITEM 1A
ITEM 2
ITEM 3
ITEM 4
ITEM 5
ITEM 6

Unless we state otherwise or the content otherwise requires, references in this Form 10-Q to "HomeStreet," "we," "our," "us" or the "Company" refer collectively to HomeStreet, Inc., a Washington corporation, HomeStreet Bank ("Bank") and other direct and indirect subsidiaries of HomeStreet, Inc.

2

PART I
ITEM 1 FINANCIAL STATEMENTS

HOMESTREET, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

September 30, 2024December 31, 2023
(in thousands, except share data)(Unaudited)
ASSETS
Cash and cash equivalents
$205,886 $215,664 
Investment securities
1,158,035 1,278,268 
Loans held for sale ("LHFS")
38,863 19,637 
Loans held for investment ("LHFI") (net of allowance for credit losses of $38,651 and $40,500)
7,294,603 7,382,404 
Mortgage servicing rights ("MSRs")97,122 104,236 
Premises and equipment, net48,716 53,582 
Other real estate owned ("OREO")3,000 3,667 
Intangible assets7,766 9,641 
Other assets347,294 325,351 
Total assets$9,201,285 $9,392,450 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities:
Deposits$6,435,404 $6,763,378 
Borrowings1,896,000 1,745,000 
Long-term debt225,039 224,766 
Accounts payable and other liabilities106,527 120,919 
Total liabilities8,662,970 8,854,063 
Commitments and contingencies
Shareholders' equity:
Common stock, no par value, authorized 160,000,000 shares; issued and outstanding, 18,857,565 shares and 18,810,055 shares
232,645 229,889 
Retained earnings374,340 395,357 
Accumulated other comprehensive income (loss)(68,670)(86,859)
Total shareholders' equity538,315 538,387 
Total liabilities and shareholders' equity$9,201,285 $9,392,450 
See accompanying notes to consolidated financial statements
3

HOMESTREET, INC. AND SUBSIDIARIES
CONSOLIDATED INCOME STATEMENTS
(Unaudited)
 Quarter Ended September 30,Nine Months Ended September 30,
(in thousands, except share and per share data)2024202320242023
Interest income:
Loans$87,161 $85,899 $260,740 $254,250 
Investment securities9,633 12,309 30,507 37,944 
Cash, Fed Funds and other3,043 2,498 12,254 6,270 
Total interest income
99,837 100,706 303,501 298,464 
Interest expense:
Deposits44,009 33,840 130,151 98,603 
Borrowings27,209 27,954 82,879 68,097 
Total interest expense
71,218 61,794 213,030 166,700 
Net interest income
28,619 38,912 90,471 131,764 
Provision for credit losses— (1,110)— (886)
Net interest income after provision for credit losses
28,619 40,022 90,471 132,650 
Noninterest income:
Net gain on loan origination and sale activities2,760 2,372 8,102 7,238 
Loan servicing income 3,058 3,092 9,500 9,390 
Deposit fees2,222 2,455 6,672 7,817 
Other3,018 2,545 9,465 6,520 
Total noninterest income
11,058 10,464 33,739 30,965 
Noninterest expense:
Compensation and benefits26,760 27,002 82,387 84,031 
Information services7,742 7,579 22,664 22,207 
Occupancy4,974 5,306 15,538 16,834 
General, administrative and other9,690 9,202 31,672 29,432 
Goodwill impairment — — — 39,857 
Total noninterest expense
49,166 49,089 152,261 192,361 
Income (loss) before income taxes(9,489)1,397 (28,051)(28,746)
Income tax (benefit) expense (2,207)(898)(7,034)(4,657)
Net income (loss)$(7,282)$2,295 $(21,017)$(24,089)
Net income (loss) per share:
Basic $(0.39)$0.12 $(1.11)$(1.28)
Diluted
(0.39)0.12 (1.11)(1.28)
Weighted average shares outstanding:
Basic
18,857,56518,792,89318,857,33518,774,593
Diluted
18,857,56518,792,89318,857,33518,774,593

See accompanying notes to consolidated financial statements
4

HOMESTREET, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
(Unaudited)
 
 Quarter Ended September 30,Nine Months Ended September 30,
(in thousands)2024202320242023
Net income (loss)$(7,282)$2,295 $(21,017)$(24,089)
Other comprehensive income (loss):
Unrealized gain (loss) on investment securities available for sale ("AFS")32,703 (34,881)24,439 (37,830)
Reclassification for net (gains) losses included in income— — — (3)
Other comprehensive income (loss) before tax32,703 (34,881)24,439 (37,833)
Income tax impact of:
Unrealized gain (loss) on investment securities AFS8,147 (8,632)6,250 (10,344)
Reclassification for net (gains) losses included in income— — — (1)
Total
8,147 (8,632)6,250 (10,345)
Other comprehensive income (loss)24,556 (26,249)18,189 (27,488)
Total comprehensive income (loss)$17,274 $(23,954)$(2,828)$(51,577)
See accompanying notes to consolidated financial statements
5

HOMESTREET, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
(Unaudited)
(in thousands, except share data)Number
of shares		Common stockRetained
earnings		Accumulated
other
comprehensive
income (loss)		Total shareholders' equity
For the quarter ended September 30, 2023
Balance, June 30, 202318,776,597 $228,260 $400,132 $(100,769)$527,623 
Net income (loss)— — 2,295 — 2,295 
Share-based compensation expense— 712 — — 712 
Common stock issued - Stock grants17,433 — — — — 
Other comprehensive income (loss)— — — (26,249)(26,249)
Dividends declared on common stock ($0.10 per share)
— — (1,894)— (1,894)
Balance, September 30, 2023
18,794,030 $228,972 $400,533 $(127,018)$502,487 
For the nine months ended September 30, 2023
Balance, December 31, 2022
18,730,380 $226,592 $435,085 $(99,530)$562,147 
Net income (loss)— — (24,089)— (24,089)
Share-based compensation expense— 2,696 — — 2,696 
Common stock issued - Stock grants76,744 — — — — 
Other comprehensive income (loss)— — — (27,488)(27,488)
Dividends declared on common stock ($0.55 per share)
— — (10,463)— (10,463)
Common stock repurchased
(13,094)(316)— — (316)
Balance, September 30, 2023
18,794,030 $228,972 $400,533 $(127,018)$502,487 
For the quarter ended September 30, 2024
Balance, June 30, 2024
18,857,565 $231,721 $381,622 $(93,226)$520,117 
Net income (loss)— — (7,282)— (7,282)
Share-based compensation expense— 924 — — 924 
Other comprehensive income (loss)— — — 24,556 24,556 
Balance, September 30, 2024
18,857,565 $232,645 $374,340 $(68,670)$538,315 
For the nine months ended September 30, 2024
Balance, December 31, 2023
18,810,055 $229,889 $395,357 $(86,859)$538,387 
Net income (loss)— — (21,017)— (21,017)
Share-based compensation expense
— 2,890 — — 2,890 
Common stock issued - Stock grants60,483 — — — — 
Other comprehensive income (loss)— — — 18,189 18,189 
Common stock repurchased
(12,973)(134)— — (134)
Balance, September 30, 2024
18,857,565 $232,645 $374,340 $(68,670)$538,315 
See accompanying notes to consolidated financial statements

6

HOMESTREET, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited) 
Nine Months Ended September 30,
(in thousands)20242023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)$(21,017)$(24,089)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
Goodwill impairment charge— 39,857 
Provision for credit losses— (886)
Depreciation and amortization, premises and equipment5,034 5,441 
Amortization of premiums and discounts: investment securities, deposits, debt1,958 61 
Operating leases: excess of payments over amortization(2,403)(2,404)
Amortization of finance leases143 328 
Amortization of core deposit intangibles1,875 2,163 
Amortization of deferred loan fees and costs(359)(773)
Share-based compensation expense2,890 2,696 
Deferred income tax (benefit) expense(14,263)12,149 
Origination of LHFS(324,436)(288,479)
Proceeds from sale of LHFS309,528 274,915 
Net fair value adjustment and gain on sale of LHFS(3,177)(480)
Origination of MSRs(2,796)(2,721)
Change in fair value of MSRs5,626 3,080 
Amortization of servicing rights4,284 4,363 
Gain on sale of OREO— (621)
Net change in trading securities(13,468)(2,584)
Increase in other assets
(2,594)(42,197)
Increase in accounts payable and other liabilities6,133 18,689 
Net cash used in operating activities(47,042)(1,492)
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of investment securities
— (53,232)
Proceeds from sale of investment securities— 4,693 
Principal payments on investment securities
156,987 119,710 
Proceeds from sale of OREO126 1,725 
Net (increase) decrease in LHFI
87,085 4,171 
Purchase of premises and equipment(6,427)(2,667)
Net cash received from acquisition of branches— 327,901 
Proceeds from sale of Federal Home Loan Bank stock206,871 116,046 
Purchases of Federal Home Loan Bank stock(229,752)(126,071)
Net cash provided by investing activities214,890 392,276 
7

Nine Months Ended September 30,
(in thousands)20242023
CASH FLOWS FROM FINANCING ACTIVITIES:
Decrease in deposits, net
(328,488)(1,083,087)
Changes in short-term borrowings, net286,000 212,000 
Proceeds from other long-term borrowings585,000 745,000 
Repayment of other long-term borrowings(720,000)(100,000)
Repayment of finance lease principal(138)(358)
Dividends paid on common stock— (10,463)
Net cash used in financing activities(177,626)(236,908)
Net increase (decrease) in cash and cash equivalents
(9,778)153,876 
Cash and cash equivalents, beginning of year215,664 72,828 
Cash and cash equivalents, end of period$205,886 $226,704 
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Cash paid during the period for:
Interest $220,257 $153,957 
Federal and state income taxes(636)86 
Non-cash activities:
Increase in lease assets and lease liabilities3,536 2,538 
LHFI foreclosed and transferred to OREO— 107 
Loans transferred from LHFI to LHFS, net1,171 2,507 
Ginnie Mae loans recognized with the right to repurchase, net1,901 — 
Ginnie Mae loans derecognized with the right to repurchase, net— 1,360 
Repurchase of common stock-award shares134 316 
Acquisition:
Loans acquired— 21,197 
Premises and equipment and other assets— 5,845 
Liabilities assumed— 377,412 
Goodwill and other intangibles— 22,469 
See accompanying notes to consolidated financial statements
8

HomeStreet, Inc. and Subsidiaries
Notes to Consolidated Financial Statements (Unaudited)

NOTE 1–SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES:

HomeStreet, Inc., a State of Washington corporation organized in 1921 (the "Corporation"), is a Washington-based diversified financial services holding company whose operations are primarily conducted through its wholly owned subsidiaries (collectively the "Company") HomeStreet Statutory Trusts and HomeStreet Bank (the "Bank"), and the Bank's subsidiaries, Continental Escrow Company, HomeStreet Foundation, HS Properties, Inc., HS Evergreen Corporate Center LLC, and Union Street Holdings LLC. The Company is principally engaged in commercial banking, mortgage banking and consumer/retail banking activities serving customers primarily in the Western United States.

The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America ("GAAP"). The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries. All significant inter-company accounts and transactions have been eliminated in consolidation. The Company allocates resources and assesses financial performance on a consolidated basis and therefore has one reporting segment. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, as well as the reported amounts of revenues and expenses during the reporting periods. Actual results could differ significantly from those estimates. Certain amounts in the financial statements from prior periods have been reclassified to conform to the current financial statement presentation.

These unaudited interim financial statements reflect all adjustments that are, in the opinion of management, necessary for a fair statement of the results for the periods presented. These adjustments are of a normal recurring nature, unless otherwise disclosed in this Quarterly Report on Form 10-Q. The results of operations in the interim financial statements do not necessarily indicate the results that may be expected for the full year. The interim financial information should be read in conjunction with our Annual Report on Form 10-K for the year ended December 31, 2023 ("2023 Annual Report on Form 10-K"), filed with the U.S. Securities and Exchange Commission ("SEC").

Branch Acquisition

On February 10, 2023, the Company completed its acquisition of three branches in southern California, whereby we assumed approximately $376 million in deposits and purchased approximately $21 million in loans. The application of the acquisition method of accounting resulted in recording goodwill of $12 million and a core deposit intangible of $11 million.

Merger

On April 30, 2024, the Company entered into Amendment No. 1 to the previously announced definitive merger agreement with FirstSun Capital Bancorp (“FirstSun”), the holding company of Sunflower Bank, N.A ("Sunflower Bank"), and Dynamis Subsidiary, Inc., whereby, under the merger agreement, as amended, the Company and the Bank will merge with and into FirstSun and Sunflower Bank, respectively (collectively, the "Merger"). Subject to terms and conditions of the merger agreement, as amended, the companies will combine in an all-stock transaction in which HomeStreet shareholders will receive 0.3867 of a share of FirstSun common stock for each share of HomeStreet common stock.

On October 29, 2024 First Sun and the Company announced that based on discussions with the Federal Reserve and the Texas Department of Banking, regulatory approvals necessary for the Merger to proceed have not been obtained and FirstSun and Sunflower Bank have been asked to withdraw their merger applications. FirstSun and the Company are discussing the pursuit of an alternative regulatory structure for the Merger. The parties are also discussing terms on which they would terminate the merger agreement if no alternative structure is feasible. There can be no assurance that an alternative regulatory structure may ultimately be feasible.

Recent Accounting Developments

In October 2023, the FASB issued ASU 2023-06, "Disclosure Improvements - Codification Amendments in Response to the SEC's Disclosure Update and Simplification Initiative." The amendments in ASU 2023-06 modify the disclosure or presentation requirements of a variety of Topics in the Codification, with the intention of clarifying or improving them and align the requirements in the codification with the SEC's regulations (and will be removed from the SEC regulations). ASU 2023-06 should be adopted prospectively, and the effective date varies and is determined for each individual disclosure based
9


on the effective date of the SEC's removal of the related disclosure. ASU 2023-06 will not have an impact on the Company's financial position or results of operation as it is disclosure only.

In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures, which expands disclosures about a public entity’s reportable segments and requires more enhanced information about a reportable segment’s expenses, interim segment profit or loss, and how a public entity’s chief operating decision maker uses reported segment profit or loss information in assessing segment performance and allocating resources. The update will be effective for annual periods beginning after December 15, 2023. ASU 2023-07 will not have an impact on the Company's financial position or results of operation as it impacts disclosures only. We are assessing the impact on our disclosures.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures, which expands disclosures in an entity’s income tax rate reconciliation table and taxes paid both in the U.S. and foreign jurisdictions. The update will be effective for annual periods beginning after December 15, 2024. ASU 2023-09 will not have an impact on the Company's financial position or results of operation as it impacts disclosures only. We are assessing the impact on our disclosures.

NOTE 2–INVESTMENT SECURITIES:
The following table sets forth certain information regarding the amortized cost basis and fair values of our investment securities AFS and held-to-maturity ("HTM"):