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Home BancShares, Inc. Announces Record Net Income Of $63.0 Million For 2012

Stocks in this article: HOMB

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Our wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has locations in central Arkansas, north central Arkansas, southern Arkansas, the Florida Keys, southwestern Florida, central Florida, the Florida Panhandle and south Alabama. The Company's common stock is traded through the NASDAQ Global Select Market under the symbol "HOMB."

 
Home BancShares, Inc. 
Consolidated End of Period Balance Sheets 
(Unaudited) 
           
   Dec. 31,   Sep. 30,   Jun. 30,   Mar. 31,   Dec. 31, 
(In thousands)   2012   2012   2012   2012   2011 
           
ASSETS          
           
Cash and due from banks   $ 101,972  $ 86,381  $ 71,078  $ 76,837  $ 57,337
Interest-bearing deposits with other banks   129,883  69,248  287,452  269,401  126,967
Cash and cash equivalents   231,855  155,629  358,530  346,238  184,304
Federal funds sold   17,148  1,775  575  1,375  1,100
Investment securities - available for sale   726,223  755,197  712,820  759,959  671,221
Loans receivable not covered by loss share   2,331,199  2,076,248  2,035,487  2,046,108  1,760,086
Loans receivable covered by FDIC loss share   384,884  407,416  432,422  455,435  481,739
Allowance for loan losses   (50,632)  (54,440)  (56,511)  (51,014)  (52,129)
Loans receivable, net   2,665,451  2,429,224  2,411,398  2,450,529  2,189,696
Bank premises and equipment, net   113,883  105,131  100,694  100,674  88,465
Foreclosed assets held for sale not covered by loss share   20,393  14,942  14,481  14,634  16,660
Foreclosed assets held for sale covered by FDIC loss share   31,526  31,799  35,008  39,744  35,178
FDIC indemnification asset   139,646  153,758  162,439  181,884  193,856
Cash value of life insurance   59,219  53,366  53,167  52,955  52,700
Accrued interest receivable   16,305  14,872  14,834  15,845  15,551
Deferred tax asset, net   46,998  33,680  31,115  34,680  22,850
Goodwill   85,681  77,090  77,090  77,090  59,663
Core deposit and other intangibles   12,061  9,792  10,486  11,180  8,620
Other assets   75,741  51,654  73,768  61,165  64,253
Total assets   $ 4,242,130  $ 3,887,909  $ 4,056,405  $ 4,147,952  $ 3,604,117
           
LIABILITIES AND STOCKHOLDERS' EQUITY          
           
Liabilities          
Deposits:           
Demand and non-interest-bearing   $ 666,414  $ 596,746  $ 597,374  $ 583,951  $ 464,581
Savings and interest-bearing transaction accounts   1,784,047  1,527,829  1,521,869  1,514,812  1,189,098
Time deposits   1,032,991  1,007,894  1,174,286  1,281,636  1,204,352
Total deposits   3,483,452  3,132,469  3,293,529  3,380,399  2,858,031
Federal funds purchased   --   --   --   --   -- 
Securities sold under agreements to repurchase   66,278  61,499  66,620  72,531  62,319
FHLB borrowed funds   130,388  130,506  140,523  142,753  142,777
Accrued interest payable and other liabilities   17,672  24,590  15,967  27,403  22,593
Subordinated debentures   28,867  28,867  44,331  44,331  44,331
Total liabilities   3,726,657  3,377,931  3,560,970  3,667,417  3,130,051
           
Stockholders' equity           
Common stock   281  282  281  281  283
Capital surplus   416,354  420,595  420,538  421,006  425,649
Retained earnings   86,837  77,190  64,478  51,800  40,130
Accumulated other comprehensive income   12,001  11,911  10,138  7,448  8,004
Total stockholders' equity   515,473  509,978  495,435  480,535  474,066
Total liabilities and stockholders' equity   $ 4,242,130  $ 3,887,909  $ 4,056,405  $ 4,147,952  $ 3,604,117
 
 
Home BancShares, Inc. 
Consolidated Statements of Income 
(Unaudited) 
               
   Quarter Ended   Year Ended 
   Dec. 31,   Sep. 30,   Jun. 30,   Mar. 31,   Dec. 31,   Dec. 31,   Dec. 31, 
(In thousands)   2012   2012   2012   2012   2011   2012   2011 
               
Interest income               
Loans   $ 41,203  $ 39,285  $ 40,365  $ 38,506  $ 38,110  $ 159,359  $ 155,954
Investment securities               
Taxable   2,708  2,598  3,060  2,860  2,451  11,226  9,244
Tax-exempt   1,544  1,541  1,534  1,535  1,562  6,154  6,179
Deposits - other banks   52  115  127  85  87  379  418
Federal funds sold   9  3  3  2  2  17  11
               
Total interest income   45,516  43,542  45,089  42,988  42,212  177,135  171,806
               
Interest expense               
Interest on deposits   2,877  3,288  4,164  4,660  5,084  14,989  22,968
Federal funds purchased   1  --   --   --   --   1  -- 
FHLB borrowed funds   1,030  1,040  1,134  1,160  1,172  4,364  4,940
Securities sold under agreements to repurchase   79  107  111  110  99  407  483
Subordinated debentures   247  482  521  524  540  1,774  2,160
               
Total interest expense   4,234  4,917  5,930  6,454  6,895  21,535  30,551
               
Net interest income   41,282  38,625  39,159  36,534  35,317  155,600  141,255
Provision for loan losses   1,250  167  1,333  --   2,250  2,750  3,500
Net interest income after provision for loan losses   40,032  38,458  37,826  36,534  33,067  152,850  137,755
               
Non-interest income               
Service charges on deposit accounts   4,062  3,834  3,668  3,505  3,659  15,069  14,087
Other service charges and fees   3,062  3,119  3,223  3,024  2,554  12,428  9,929
Mortgage lending income   1,461  1,550  1,277  904  904  5,192  2,993
Insurance commissions   368  512  438  551  351  1,869  1,856
Income from title services   133  112  129  88  121  462  448
Increase in cash value of life insurance   202  200  214  257  279  873  1,128
Dividends from FHLB, FRB, bankers' bank & other   635  182  175  175  174  1,167  680
Gain on acquisitions   5,205  --   --   --   --   5,205  -- 
Gain on sale of SBA loans   --   206  198  --   --   404  259
Gain (loss) on sale of premises & equip, net   (30)  (5)  359  --   (6)  324  73
Gain (loss) on OREO, net   121  (222)  159  (107)  394  (49)  (638)
Gain (loss) on securities, net   (1)  --   (9)  19  2,243  9  2,248
FDIC indemnification accretion   229  373  449  670  903  1,721  5,517
Other income   740  765  773  1,017  606  3,295  2,729
               
Total non-interest income   16,187  10,626  11,053  10,103  12,182  47,969  41,309
               
Non-interest expense               
Salaries and employee benefits   12,348  11,652  11,903  11,386  10,376  47,289  42,825
Occupancy and equipment   3,712  3,805  3,552  3,431  3,274  14,500  14,197
Data processing expense   1,331  1,137  1,371  1,091  994  4,930  4,601
Other operating expenses   12,186  7,387  7,598  8,478  8,625  35,649  33,099
               
Total non-interest expense   29,577  23,981  24,424  24,386  23,269  102,368  94,722
               
Income before income taxes   26,642  25,103  24,455  22,251  21,980  98,451  84,342
Income tax expense   9,703  9,008  8,965  7,753  7,813  35,429  29,601
Net income   16,939  16,095  15,490  14,498  14,167  63,022  54,741
Preferred stock dividends & accretion of discount on preferred stock   --   --   --   --   --   --   1,828
Net income available to common shareholders   $ 16,939  $ 16,095  $ 15,490  $ 14,498  $ 14,167  $ 63,022  $ 52,913
 
 
Home BancShares, Inc. 
Selected Financial Information 
(Unaudited) 
               
   Quarter Ended   Year Ended 
(Dollars and shares in thousands,   Dec. 31,   Sep. 30,   Jun. 30,   Mar. 31,   Dec. 31,   Dec. 31,   Dec. 31, 
except per share data)   2012   2012   2012   2012   2011   2012   2011 
               
PER SHARE DATA              
               
Diluted earnings per common share   $ 0.60  $ 0.57  $ 0.55  $ 0.51  $ 0.50  $ 2.23  $ 1.85
Diluted earnings per common share excluding intangible amortization   0.62  0.58  0.57  0.52  0.51  2.29  1.91
Basic earnings per common share   0.60  0.58  0.55  0.51  0.50  2.24  1.86
Dividends per share - common   0.260  0.120  0.100  0.100  0.080  0.580  0.268
Book value per common share   18.34  18.10  17.64  17.11  16.77  18.34  16.77
Tangible book value per common share   14.86  15.01  14.53  13.96  14.35  14.86  14.35
               
STOCK INFORMATION              
               
Average common shares outstanding   28,073  28,150  28,095  28,230  28,274  28,137  28,416
Average diluted shares outstanding   28,244  28,341  28,283  28,411  28,459  28,315  28,612
End of period common shares outstanding   28,107  28,181  28,079  28,091  28,276  28,107  28,276
               
ANNUALIZED PERFORMANCE METRICS              
               
Return on average assets  1.67% 1.61% 1.53% 1.52% 1.56% 1.58% 1.50%
Return on average assets excluding intangible amortization  1.75% 1.69% 1.61% 1.60% 1.64% 1.66% 1.57%
Return on average assets excluding intangible amortization, provision for loan losses, merger expenses, bargain purchase gain and income taxes (Core ROA)  2.88% 2.69% 2.67% 2.64% 2.81% 2.72% 2.53%
Return on average common equity  13.19% 12.78% 12.80% 12.21% 12.06% 12.75% 11.77%
Return on average tangible common equity excluding intangible amortization  16.46% 15.88% 16.05% 15.03% 14.57% 15.87% 14.39%
Efficiency ratio  49.21% 46.24% 46.22% 49.75% 46.40% 47.88% 49.13%
Core efficiency ratio  44.40% 45.63% 46.87% 46.12% 48.76% 45.73% 49.65%
Net interest margin - FTE  4.86% 4.65% 4.65% 4.65% 4.73% 4.70% 4.69%
Fully taxable equivalent adjustment   $ 1,122  $ 1,112  $ 1,126  $ 1,115  $ 1,130  $ 4,475  $ 4,467
Total revenue   61,703  54,168  56,142  53,091  54,394  225,104  213,115
               
EARNINGS EXCLUDING              
INTANGIBLE AMORTIZATION              
               
GAAP net income available to common shareholders   $ 16,939  $ 16,095  $ 15,490  $ 14,498  $ 14,167  $ 63,022  $ 52,913
Intangible amortization after-tax   452  421  422  383  428  1,678  1,718
Earnings excluding intangible amortization   $ 17,391  $ 16,516  $ 15,912  $ 14,881  $ 14,595  $ 64,700  $ 54,631
               
GAAP diluted earnings per share   $ 0.60  $ 0.57  $ 0.55  $ 0.51  $ 0.50  $ 2.23  $ 1.85
Intangible amortization after-tax   0.02  0.01  0.02  0.01  0.01  0.06  0.06
Diluted earnings per share excluding intangible amortization   $ 0.62  $ 0.58  $ 0.57  $ 0.52  $ 0.51  $ 2.29  $ 1.91
               
OTHER OPERATING EXPENSES              
               
Advertising   $ 549  $ 534  $ 904  $ 460  $ 1,224  $ 2,447  $ 4,270
Merger and acquisition expenses   5,169  296  --   1,692  134  7,157  145
Amortization of intangibles   743  694  694  630  705  2,761  2,827
Electronic banking expense   845  809  728  793  695  3,175  2,733
Directors' fees   196  206  193  212  217  807  811
Due from bank service charges   124  137  159  116  118  536  496
FDIC and state assessment   571  588  516  638  1,070  2,313  4,283
Insurance   501  448  424  401  447  1,774  1,673
Legal and accounting   225  231  287  322  327  1,065  1,603
Other professional fees   392  411  354  498  450  1,655  1,954
Operating supplies   299  280  291  264  297  1,134  1,168
Postage   216  219  240  221  212  896  942
Telephone   282  270  276  246  221  1,074  977
Other expense   2,074  2,264  2,532  1,985  2,508  8,855  9,217
               
Total other operating expenses   $ 12,186  $ 7,387  $ 7,598  $ 8,478  $ 8,625  $ 35,649  $ 33,099
 
 
Home BancShares, Inc. 
Selected Financial Information 
(Unaudited) 
           
   Dec. 31,   Sep. 30,   Jun. 30,   Mar. 31,   Dec. 31, 
(Dollars in thousands)   2012   2012   2012   2012   2011 
           
BALANCE SHEET RATIOS          
           
Total loans to total deposits  77.97% 79.29% 74.93% 74.00% 78.44%
Common equity to assets  12.2% 13.1% 12.2% 11.6% 13.2%
Tangible common equity to tangible assets  10.1% 11.1% 10.3% 9.7% 11.5%
           
ALLOWANCE FOR LOAN LOSSES          
           
Non-Covered           
Balance, beginning of period   $ 47,292  $ 49,846  $ 51,014  $ 52,129  $ 54,508
Loans charged off   3,739  3,984  1,601  1,469  5,143
Recoveries of loans previously charged off   367  1,430  433  354  514
Net loans charged off   3,372  2,554  1,168  1,115  4,629
Provision for loan losses   1,250  --   --   --   2,250
Balance, end of period   $ 45,170  $ 47,292  $ 49,846  $ 51,014  $ 52,129
           
Discount for credit losses on non-covered loans acquired   81,717  14,712  16,112  17,154  2,513
Net charge-offs on loans not covered by loss share to average non-covered loans  0.61% 0.50% 0.23% 0.23% 1.02%
Allowance for loan losses for non-covered loans to total non-covered loans  1.94% 2.28% 2.45% 2.49% 2.96%
Allowance for loan losses for non-covered loans plus discount for credit losses on non-covered loans acquired to total non-covered loans plus discount for credit losses on non-covered loans acquired  5.26% 2.97% 3.21% 3.30% 3.10%
           
Covered          
Balance, beginning of period   $ 7,148  $ 6,665  $ --   $ --   $ -- 
Loans charged off   1,688  354  --   --   -- 
Recoveries of loans previously charged off   2  --   --   --   -- 
Net loans charged off   1,686  354  --   --   -- 
Provision for loan losses before benefit attributable to FDIC loss share agreements   --   837  6,665  --   -- 
Benefit attributable to FDIC loss share agreements   --   (670)  (5,332)  --   -- 
Net provision for loan losses   --   167  1,333  --   -- 
Increase in FDIC indemnification asset   --   670  5,332  --   -- 
Balance, end of period   $ 5,462  $ 7,148  $ 6,665  $ --   $ -- 
           
Total Allowance for Loan Losses   $ 50,632  $ 54,440  $ 56,511  $ 51,014  $ 52,129
           
NON-PERFORMING ASSETS          
NOT COVERED BY LOSS SHARE          
           
Non-performing non-covered loans           
Non-accrual non-covered loans   $ 21,336  $ 20,183  $ 24,810  $ 27,425  $ 26,496
Non-covered loans past due 90 days or more   5,937  2,424  1,326  289  993
Total non-performing non-covered loans   27,273  22,607  26,136  27,714  27,489
Other non-performing non-covered assets           
Non-covered foreclosed assets held for sale, net   20,393  14,942  14,481  14,634  16,660
Other non-performing non-covered assets   164  1  79  71  8
Total other non-performing non-covered assets   20,557  14,943  14,560  14,705  16,668
Total non-performing non-covered assets   $ 47,830  $ 37,550  $ 40,696  $ 42,419  $ 44,157
           
Allowance for loan losses for non-covered loans to non-performing non-covered loans  165.62% 209.19% 190.72% 184.07% 189.64%
Non-performing non-covered loans to total non-covered loans  1.17% 1.09% 1.28% 1.35% 1.56%
Non-performing non-covered assets to total non-covered assets  1.30% 1.14% 1.19% 1.22% 1.53%
 
 
Home BancShares, Inc. 
Loan Information 
(Unaudited) 
           
   Dec. 31,   Sep. 30,   Jun. 30,   Mar. 31,   Dec. 31, 
(Dollars in thousands)   2012   2012   2012   2012   2011 
           
LOANS NOT COVERED BY LOSS SHARE          
           
Real estate           
Commercial real estate loans           
Non-farm/non-residential   $ 1,019,039  $ 887,895  $ 856,334  $ 780,520  $ 698,986
Construction/land development   254,800  282,269  269,371  413,093  361,846
Agricultural   32,513  28,403  28,570  28,120  28,535
Residential real estate loans           
Residential 1-4 family   549,269  473,412  481,018  471,439  349,543
Multifamily residential   129,742  105,369  106,206  65,226  56,909
Total real estate   1,985,363  1,777,348  1,741,499  1,758,398  1,495,819
Consumer   37,462  35,433  37,146  38,254  37,923
Commercial and industrial   256,908  200,160  197,278  196,165  176,276
Agricultural   19,825  36,239  31,741  21,275  21,784
Other   31,641  27,068  27,823  32,016  28,284
Loans receivable not covered by loss share   $ 2,331,199  $ 2,076,248  $ 2,035,487  $ 2,046,108  $ 1,760,086
           
           
LOANS COVERED BY LOSS SHARE          
           
Real estate           
Commercial real estate loans           
Non-farm/non-residential   $ 164,723  $ 175,195  $ 187,802  $ 179,360  $ 189,380
Construction/land development   66,713  71,958  74,989  99,996  103,535
Agricultural   2,282  2,289  2,737  3,092  3,155
Residential real estate loans           
Residential 1-4 family   125,625  130,425  136,498  139,819  148,692
Multifamily residential   9,567  10,062  10,216  9,077  8,933
Total real estate   368,910  389,929  412,242  431,344  453,695
Consumer   39  70  71  549  334
Commercial and industrial   14,668  16,878  19,541  22,843  26,884
Agricultural   --   --   --   --   -- 
Other   1,267  539  568  699  826
Loans receivable covered by loss share   $ 384,884  $ 407,416  $ 432,422  $ 455,435  $ 481,739
 
 
Home BancShares, Inc. 
Consolidated Net Interest Margin 
(Unaudited) 
             
   Three Months Ended 
   December 31, 2012   September 30, 2012 
   Average   Income/   Yield/   Average   Income/   Yield/ 
(Dollars in thousands)   Balance   Expense   Rate   Balance   Expense   Rate 
             
ASSETS            
Earning assets             
Interest-bearing balances due from banks   $ 97,308  $ 51 0.21%  $ 192,192  $ 115 0.24%
Federal funds sold   15,061  9 0.24%  3,749  3 0.32%
Investment securities - taxable   581,840  2,708 1.85%  573,083  2,598 1.80%
Investment securities - non-taxable - FTE   165,957  2,518 6.04%  160,252  2,512 6.24%
Loans receivable - FTE   2,608,090  41,351 6.31%  2,468,151  39,426 6.35%
Total interest-earning assets   3,468,256  46,637 5.35%  3,397,427  44,654 5.23%
Non-earning assets   571,264      578,519    
Total assets   $ 4,039,520      $ 3,975,946    
             
LIABILITIES AND SHAREHOLDERS' EQUITY            
Liabilities             
Interest-bearing liabilities             
Savings and interest-bearing transaction accounts   $ 1,632,053  $ 784 0.19%  $ 1,523,346  $ 774 0.20%
Time deposits   1,028,938  2,093 0.81%  1,095,268  2,514 0.91%
Total interest-bearing deposits   2,660,991  2,877 0.43%  2,618,614  3,288 0.50%
Federal funds purchased   392  --  0.00%  15  --  0.00%
Securities sold under agreement to repurchase   62,913  79 0.50%  64,779  107 0.66%
FHLB borrowed funds   130,427  1,030 3.14%  131,599  1,040 3.14%
Subordinated debentures   28,867  247 3.40%  41,978  482 4.57%
Total interest-bearing liabilities   2,883,590  4,233 0.58%  2,856,985  4,917 0.68%
Non-interest bearing liabilities             
Non-interest bearing deposits  620,806      597,287    
Other liabilities   24,089      20,695    
Total liabilities   3,528,485      3,474,967    
Shareholders' equity   511,035      500,979    
Total liabilities and shareholders' equity   $ 4,039,520      $ 3,975,946    
Net interest spread      4.77%     4.55%
Net interest income and margin - FTE     $ 42,404 4.86%    $ 39,737 4.65%
 
 
Home BancShares, Inc. 
Consolidated Net Interest Margin 
(Unaudited) 
             
   Year Ended 
   December 31, 2012   December 31, 2011 
   Average   Income/   Yield/   Average   Income/   Yield/ 
(Dollars in thousands)   Balance   Expense   Rate   Balance   Expense   Rate 
             
ASSETS            
Earning assets             
Interest-bearing balances due from banks   $ 165,862  $ 379 0.23%  $ 178,476  $ 418 0.23%
Federal funds sold   7,175  17 0.24%  5,735  11 0.19%
Investment securities - taxable   580,826  11,226 1.93%  400,152  9,244 2.31%
Investment securities - non-taxable - FTE   158,231  10,023 6.33%  150,776  10,017 6.64%
Loans receivable - FTE   2,490,901  159,965 6.42%  2,369,216  156,583 6.61%
Total interest-earning assets   3,402,995  181,610 5.34%  3,104,355  176,273 5.68%
Non-earning assets   575,728      553,901    
Total assets   $ 3,978,723      $ 3,658,256    
             
LIABILITIES AND SHAREHOLDERS' EQUITY            
Liabilities             
Interest-bearing liabilities             
Savings and interest-bearing transaction accounts   $ 1,501,093  $ 3,572 0.24%  $ 1,132,798  $ 5,084 0.45%
Time deposits   1,148,072  11,417 0.99%  1,318,868  17,884 1.36%
Total interest-bearing deposits   2,649,165  14,989 0.57%  2,451,666  22,968 0.94%
Federal funds purchased   273  1 0.37%  12  --  0.00%
Securities sold under agreement to repurchase   67,040  407 0.61%  66,851  4,940 7.39%
FHLB borrowed funds   136,312  4,364 3.20%  150,146  483 0.32%
Subordinated debentures   39,852  1,774 4.45%  44,331  2,160 4.87%
Total interest-bearing liabilities   2,892,642  21,535 0.74%  2,713,006  30,551 1.13%
Non-interest bearing liabilities             
Non-interest bearing deposits  569,017      443,781    
Other liabilities   22,946      26,870    
Total liabilities   3,484,605      3,183,657    
Shareholders' equity   494,118      474,599    
Total liabilities and shareholders' equity   $ 3,978,723      $ 3,658,256    
Net interest spread      4.60%     4.55%
Net interest income and margin - FTE     $ 160,075 4.70%    $ 145,722 4.69%
CONTACT: Brian S. Davis
         Chief Accounting Officer &
         Investor Relations Officer
         Home BancShares, Inc.
         (501) 328-4770

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