10-Q 1 htbi-20230930.htm 10-Q htbi-20230930
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

            QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2023

            TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _______ to ________

Commission file number:     001-35593

HOMETRUST BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
Maryland
          45-5055422
(State or other jurisdiction of incorporation of organization)(I.R.S. Employer Identification No.)

10 Woodfin Street, Asheville, North Carolina 28801
(Address of principal executive offices; Zip Code)

(828) 259-3939
(Registrant's telephone number, including area code)

None
(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, par value $.01 per share
HTBIThe NASDAQ Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 and 15(d) of the Exchange Act 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 ☒
There were 17,383,307 shares of common stock, par value of $0.01 per share, issued and outstanding as of November 2, 2023.



HOMETRUST BANCSHARES, INC. AND SUBSIDIARIES
FORM 10-Q
TABLE OF CONTENTS
 Page
 
Item 1 
  
  
  
  
  
  
  
Item 2
  
Item 3
  
Item 4
  
 
  
Item 1
  
Item 1A
  
Item 2
  
Item 3
  
Item 4
  
Item 5
  
Item 6
  

1


Glossary of Defined Terms
The following terms may be used throughout this Form 10-Q, including the Notes to Consolidated Financial Statements in Item 1 and Management's Discussion and Analysis of Financial Condition and Results of Operations in Item 2 of this Form 10-Q.
TermDefinition
ACLAllowance for Credit Losses
AFSAvailable-For-Sale
ASCAccounting Standards Codification
ASUAccounting Standards Update
BOLIBank Owned Life Insurance
CARES Act
Coronavirus Aid, Relief, and Economic Security Act of 2020
CD
Certificate of Deposit
CDACollateral Dependent Asset
CECLCurrent Expected Credit Losses
CET1
Common Equity Tier 1
COVID-19
Coronavirus Disease 2019
DCFDiscounted Cash Flows
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection Act
ECLExpected Credit Losses
EPSEarnings Per Share
ESOPEmployee Stock Ownership Plan
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
Federal ReserveBoard of Governors of the Federal Reserve System
FHLB or FHLB of AtlantaFederal Home Loan Bank
FRBFederal Reserve Bank of Richmond
GSEGovernment-Sponsored Enterprises
HELOCHome Equity Line of Credit
IRLCInterest Rate Lock Commitments
LIBORLondon Interbank Offered Rate
MBS
Mortgage-Backed Security
NCCOB
North Carolina Office of the Commissioner of Banks
PCDPurchased Financial Assets with Credit Deterioration
QuantumQuantum Capital Corp. and its wholly owned subsidiary, Quantum National Bank
REOReal Estate Owned
ROAReturn on Assets
ROEReturn on Equity
ROURight of Use
RSURestricted Stock Unit
SBAU.S. Small Business Administration
SBICSmall Business Investment Companies
SEC
Securities and Exchange Commission
SOFRSecured Overnight Financing Rate
TBATo-be-announced
TDRTroubled Debt Restructuring
US GAAP
Generally Accepted Accounting Principles in the United States

2


PART I.  FINANCIAL INFORMATION
Item 1.    Financial Statements
HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Balance Sheets
(Dollars in thousands, except per share data)
(Unaudited)
September 30, 2023June 30, 2023
Assets
Cash$18,090 $19,266 
Interest-bearing deposits306,924 284,231 
Cash and cash equivalents325,014 303,497 
Certificates of deposit in other banks35,380 33,152 
Debt securities available for sale, at fair value (amortized cost of $140,316 and $157,251 at September 30, 2023 and June 30, 2023, respectively)
134,348 151,926 
FHLB and FRB stock19,612 20,208 
SBIC investments, at cost14,586 14,927 
Loans held for sale, at fair value4,616 6,947 
Loans held for sale, at the lower of cost or fair value200,834 161,703 
Total loans, net of deferred loan fees and costs3,659,914 3,658,823 
Allowance for credit losses – loans(47,417)(47,193)
Loans, net3,612,497 3,611,630 
Premises and equipment, net72,463 73,171 
Accrued interest receivable16,513 14,829 
Deferred income taxes, net9,569 10,912 
BOLI106,059 106,572 
Goodwill34,111 34,111 
Core deposit intangibles, net9,918 10,778 
Other assets56,477 53,124 
Total assets$4,651,997 $4,607,487 
Liabilities and stockholders' equity  
Liabilities  
Deposits$3,640,961 $3,601,168 
Junior subordinated debt9,995 9,971 
Borrowings452,263 457,263 
Other liabilities64,367 67,899 
Total liabilities4,167,586 4,136,301 
Commitments and contingencies – See Note 12
Stockholders' equity  
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding
  
Common stock, $0.01 par value, 60,000,000 shares authorized, 17,380,307 shares issued and outstanding at September 30, 2023; 17,366,673 at June 30, 2023
174 174 
Additional paid in capital171,663 171,222 
Retained earnings321,799 308,651 
Unearned ESOP shares(4,629)(4,761)
Accumulated other comprehensive loss(4,596)(4,100)
Total stockholders' equity484,411 471,186 
Total liabilities and stockholders' equity$4,651,997 $4,607,487 
The accompanying notes are an integral part of these consolidated financial statements.
3


HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Income
(Dollars in thousands, except per share data)
(Unaudited)
Three Months Ended September 30,
20232022
Interest and dividend income
Loans$58,496 $33,245 
Commercial paper 1,116 
Debt securities available for sale1,259 678 
Other investments and interest-bearing deposits2,110 888 
Total interest and dividend income61,865 35,927 
Interest expense  
Deposits16,429 1,395 
Junior subordinated debt236  
Borrowings3,040 12 
Total interest expense19,705 1,407 
Net interest income42,160 34,520 
Provision for credit losses2,570 3,987 
Net interest income after provision for credit losses39,590 30,533 
Noninterest income  
Service charges and fees on deposit accounts2,318 2,338 
Loan income and fees559 570 
Gain on sale of loans held for sale1,293 1,586 
BOLI income1,749 527 
Operating lease income1,785 1,585 
Loss on sale of premises and equipment (12)
Other923 804 
Total noninterest income8,627 7,398 
Noninterest expense  
Salaries and employee benefits16,514 14,815 
Occupancy expense, net2,489 2,396 
Computer services3,173 2,763 
Telephone, postage, and supplies652 603 
Marketing and advertising487 590 
Deposit insurance premiums717 542 
Core deposit intangible amortization859 34 
Merger-related expenses 474 
Other4,673 3,872 
Total noninterest expense29,564 26,089 
Net income before income taxes18,653 11,842 
Income tax expense3,820 2,643 
Net income$14,833 $9,199 
Per share data  
Net income per common share  
Basic$0.88 $0.61 
Diluted$0.88 $0.60 
Average shares outstanding  
Basic16,792,177 14,988,006 
Diluted16,800,901 15,130,762 
The accompanying notes are an integral part of these consolidated financial statements.
4


HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Comprehensive Income
(Dollars in thousands)
(Unaudited)
Three Months Ended September 30,
 20232022
Net income$14,833 $9,199 
Other comprehensive loss 
Unrealized holding losses on debt securities available for sale  
Losses arising during the period(643)(2,138)
Deferred income tax benefit147 492 
Total other comprehensive loss(496)(1,646)
Comprehensive income$14,337 $7,553 
The accompanying notes are an integral part of these consolidated financial statements.
5


HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Changes in Stockholders' Equity
(Dollars in thousands)
(Unaudited)
Three Months Ended September 30, 2023
Common StockAdditional
Paid In
Capital
Retained
Earnings
Unearned
ESOP
Shares
Accumulated
Other
Comprehensive
Loss
Total
Stockholders'
Equity
SharesAmount
Balance at June 30, 2023
17,366,673 $174 $171,222 $308,651 $(4,761)$(4,100)$471,186 
Net income— — — 14,833 — — 14,833 
Cash dividends declared on common stock, $0.10/common share
— — — (1,685)— — (1,685)
Forfeited restricted stock(1,630)— — — — — — 
Retired stock(5,730)— (133)— — — (133)
Granted restricted stock1,000 — — — — — — 
Stock issued for RSUs18,494 — — — — — — 
Exercised stock options1,500 — 24 — — — 24 
Share-based compensation expense— — 383 — — — 383 
ESOP compensation expense— — 167 — 132 — 299 
Other comprehensive loss— — — — — (496)(496)
Balance at September 30, 202317,380,307 $174 $171,663 $321,799 $(4,629)$(4,596)$484,411 
(Unaudited)
Three Months Ended September 30, 2022
Common StockAdditional
Paid In
Capital
Retained
Earnings
Unearned
ESOP
Shares
Accumulated
Other
Comprehensive
Loss
Total
Stockholders'
Equity
SharesAmount
Balance at June 30, 202215,591,466 $156 $126,106 $270,276 $(5,290)$(2,403)$388,845 
Net income— — — 9,199 — — 9,199 
Cash dividends declared on common stock, $0.09/common share
— — — (1,355)— — (1,355)
Forfeited restricted stock(400)— — — — — — 
Retired stock(4,079)— (95)— — — (95)
Granted restricted stock4,500 — — — — — — 
Stock issued for RSUs13,861 — — — — — — 
Exercised stock options27,000 — 388 — — — 388 
Share-based compensation expense— — 567 — — — 567 
ESOP compensation expense— — 187 — 132 — 319 
Other comprehensive loss— — — — — (1,646)(1,646)
Balance at September 30, 202215,632,348 $156 $127,153 $278,120 $(5,158)$(4,049)$396,222 
The accompanying notes are an integral part of these consolidated financial statements.









6


HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows
(Dollars in thousands)
(Unaudited)
Three Months Ended September 30,
 20232022
Operating activities
Net income$14,833 $9,199 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses2,570 3,987 
Depreciation and amortization of premises and equipment and equipment for operating leases2,401 2,169 
Deferred income tax expense1,490 141 
Net accretion of purchase accounting adjustments on loans(378)(178)
Net amortization and accretion1,693 (105)
SBIC investments income(540)(349)
Loss from sale of premises and equipment 12 
Gain incurred at the end of operating leases(51)(148)
BOLI income(1,749)(527)
Gain on sale of loans held for sale(1,293)(1,586)
Origination of loans held for sale(107,559)(58,035)
Proceeds from sale of loans held for sale65,451 57,570 
New deferred loan origination fees, net(1,139)(1,856)
(Increase) decrease in accrued interest receivable and other assets(6,279)1,291 
ESOP compensation expense299 319 
Share-based compensation expense383 567 
Decrease in other liabilities(3,093)(4,697)
Net cash (used in) provided by operating activities(32,961)7,774 
Investing activities  
Purchases of debt securities available for sale(601)(48,014)
Proceeds from maturities, calls and paydowns of debt securities available for sale17,859 11,045 
Purchases of commercial paper (210,292)
Proceeds from maturities and calls of commercial paper 320,689 
Purchases of CDs in other banks(3,972)(4,980)
Proceeds from maturities of CDs in other banks1,744 996 
Net (purchases) redemptions of FHLB and FRB stock596 (78)
Net capital distributions from SBIC investments, at cost881 872 
Net decrease (increase) in loans3,498 (92,109)
Purchase of BOLI(23)(29)
Death benefit proceeds from BOLI policies2,285  
Purchase of equipment for operating leases(5,261)(577)
Sale of equipment for operating leases4,749 1,239 
Purchase of premises and equipment(276)(616)
Proceeds from sale of premises and equipment and assets held for sale 1,275 
Net cash provided by (used in) investing activities21,479 (20,579)
Financing activities  
Net increase in deposits39,793 2,907 
Net decrease in short-term borrowings(5,000) 
Cash dividends paid(1,685)(1,355)
Retired stock(133)(95)
Exercised stock options24 388 
Net cash provided by financing activities32,999 1,845 
Net increase (decrease) in cash and cash equivalents21,517 (10,960)
Cash and cash equivalents at beginning of period303,497 105,119 
Cash and cash equivalents at end of period$325,014 $94,159 
7


HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows (continued)
(Dollars in thousands)
(Unaudited)
Three Months Ended September 30,
 20232022
Supplemental disclosures
Cash paid during the period for
Interest$17,191 $1,296 
Income taxes5,400 127 
Noncash transactions  
Unrealized loss in value of debt securities available for sale, net of income taxes(496)(1,646)
Transfer of loans held for sale to loans held for investment8,214 5,219 
ROU asset and lease liabilities for operating lease accounting846  
The accompanying notes are an integral part of these consolidated financial statements.
8


HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)

1.    Summary of Significant Accounting Policies
The consolidated unaudited financial statements presented in this report include the accounts of HomeTrust Bancshares, Inc., a Maryland corporation (“HomeTrust”), and its wholly-owned subsidiary, HomeTrust Bank (the “Bank”). As used throughout this report, the term the “Company” refers to HomeTrust and its consolidated subsidiary, unless the context otherwise requires. HomeTrust is a bank holding company primarily engaged in the business of planning, directing, and coordinating the business activities of the Bank. The Bank is a North Carolina state chartered bank and provides a wide range of retail and commercial banking products within its geographic footprint, which includes: North Carolina (the Asheville metropolitan area, Greensboro/"Piedmont" region, Charlotte, and Raleigh/Cary), Upstate South Carolina (Greenville), East Tennessee (Kingsport/Johnson City, Knoxville, and Morristown), Southwest Virginia (the Roanoke Valley) and Georgia (Greater Atlanta). The Bank operates under a single set of corporate policies and procedures and is recognized as a single banking segment for financial reporting purposes.
As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Quantum Capital Statutory Trust II Delaware trust. The sole assets of the trust represent the proceeds of offerings loaned in exchange for subordinated debentures with similar terms to the trust preferred securities.
The accompanying unaudited consolidated financial statements have been prepared in accordance with US GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended June 30, 2023 ("2023 Form 10-K") filed with the SEC on September 11, 2023. The results of operations for the three months ended September 30, 2023 are not necessarily indicative of results that may be expected for the six-month transition period ending December 31, 2023, the period which will be covered on a Transition Report Form 10-KT associated with the Company's change in fiscal year end.
The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions, and other subjective assessments. In particular, management has identified the determination of the provision and the ACL on loans; the accounting for business combinations, core deposit intangible, and acquired loans; and goodwill as accounting policies that, due to the judgments, estimates and assumptions inherent in these policies, are critical to an understanding of the Company's financial statements. These policies and the related judgments, estimates and assumptions are described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in the 2023 Form 10-K. Management believes that the judgments, estimates, and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to these critical accounting policies, the use of other judgments, estimates, and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on these estimates and the Company's financial condition and operating results in future periods.
Reclassifications
To maintain consistency and comparability, certain amounts from prior periods have been reclassified to conform to current period presentation with no effect on net income or stockholders’ equity as previously reported.
2.    Recent Accounting Pronouncements
Adoption of New Accounting Standards
ASU 2022-02, "Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures." This ASU eliminates the TDR recognition and measurement guidance and requires that an entity evaluate whether the modification represents a new loan or a continuation of an existing loan. The amendment also adjusts the disclosures related to modifications and requires entities to disclose current-period gross write-offs by year of origination within the existing vintage disclosures.
The Company adopted the standard using the modified retrospective transition method on July 1, 2023. The adoption of this ASU did not have a material impact on the Company's ACL, but as a result of the elimination of the concept of TDRs, the balance of individually evaluated loans decreased by $1.9 million. The changes to financial statement disclosures have been reflected in this filing, specifically "Note 6 – Loans and Allowance for Credit Losses on Loans".
3.    Merger with Quantum
On February 12, 2023, the Company merged with Quantum which operated two locations in the Atlanta metro area. The aggregate amount of consideration paid per the purchase agreement of approximately $70,771, inclusive of consideration of common stock, other cash consideration, and cash in lieu of fractional shares, included $15,869 of cash consideration paid by Quantum to its stockholders in advance of the closing date as is further described below. These distributions reduced Quantum's stockholders' equity by an equal amount prior to the transaction closing date.
9


HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table provides a summary of the assets acquired, liabilities assumed, associated preliminary fair value adjustments, and provisional period adjustments by the Company as of the merger date. As provided for under US GAAP, management has up to 12 months following the date of merger to finalize the fair value adjustments.
QuantumFair Value AdjustmentsProvisional Period AdjustmentsAs Recorded by HomeTrust
Assets acquired
Cash and cash equivalents$47,769 $— $— $47,769 
Debt securities available for sale
10,608 — — 10,608 
FHLB and FRB stock1,125 — — 1,125 
Loans(1)
567,140 (5,207)— 561,933 
Premises and equipment4,415 4,668 — 9,083 
Accrued interest receivable1,706 — — 1,706 
BOLI9,066 — — 9,066 
Core deposit intangibles 12,210 — 12,210 
Other assets2,727 569 (179)3,117 
Total assets acquired$644,556 $12,240 $(179)$656,617 
Liabilities assumed  
Deposits$570,419 $183 $— $570,602 
Junior subordinated debt11,341 (1,408)— 9,933 
Other borrowings24,728 — — 24,728 
Deferred income taxes 1,341 250 1,591 
Other liabilities3,334 — — 3,334 
Total liabilities assumed$609,822 $116 $250 $610,188 
Net assets acquired  $46,429 
  
Consideration paid
Common stock consideration
Shares of Quantum574,157 
Exchange ratio2.3942 
HomeTrust common stock issued1,374,647 
Price per share of HomeTrust common stock on February 10, 2023$27.45 
HomeTrust common stock consideration$37,734 
Cash consideration(2)
17,168 
Total consideration$54,902 
Goodwill$8,473 
(1)Adjustments to Quantum's total loans include the elimination of Quantum's existing allowance for loan losses of $5,972, the recognition of an ACL at close on PCD loans of $369, and adjustments to reflect the estimated credit fair value mark on the non-PCD loan portfolio of $2,932 and the estimated interest rate fair value adjustment on the loan portfolio as a whole (non-PCD and PCD) of $7,878.
(2)As indicated in the Current Report on Form 8-K/A filed with the SEC on March 30, 2023, the amount of cash consideration paid at closing differs from the $57.54 per share, or $33,037, reported in the Current Report on Form 8-K filed on February 13, 2023, which announced the closing of the merger. Consistent with the merger agreement, between the execution of the merger agreement and the transaction closing date, Quantum's principal stockholders had the option to withdraw some or all of the amount of cash consideration to eventually be paid at closing in advance of the closing date. The amount of cash consideration paid at closing was reduced by the amount withdrawn during this time period.
Goodwill of $8,473 arising from the merger consisted largely of synergies and the cost saves resulting from the combining of operations of the companies, and is not expected to be deductible for income tax purposes.
10


HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
4.    Debt Securities
Debt securities available for sale consist of the following at the dates indicated:
September 30, 2023
Amortized
Cost
Gross
Unrealized
Gains
Gross
Unrealized
Losses
Estimated
Fair
Value
U.S. government agencies$15,000 $ $(92)$14,908 
MBS, residential101,820  (4,469)97,351 
Municipal bonds3,496  (144)3,352 
Corporate bonds20,000  (1,263)18,737 
Total$140,316 $ $(5,968)$134,348 
June 30, 2023
Amortized
Cost
Gross
Unrealized
Gains
Gross
Unrealized
Losses
Estimated
Fair
Value
U.S. government agencies$15,000 $ $(286)$14,714 
MBS, residential110,865  (3,451)107,414 
Municipal bonds3,505  (117)3,388 
Corporate bonds27,881  (1,471)26,410 
Total$157,251 $ $(5,325)$151,926 
Debt securities available for sale by contractual maturity at September 30, 2023 and June 30, 2023 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their