HOME BANCORP, INC. (HBCP) [Rocket]

In millions, except per share items	Jun-30-23	Dec-31-22	Sep-30-22	Jun-30-22	Mar-31-22	Dec-31-21	Sep-30-21	Jun-30-21
	10-Q	8-K	8-K	10-Q	10-Q	10-K	10-Q	10-Q
Interest income:
Interest income on loans	36.5	32.8	29.9	27.3	22.7	24.2	27.0	24.5
Interest income on investments	3.0			2.3	1.6	1.3	1.2	1.1
	40.1	36.6	34.3	30.5	24.6	25.8	28.4	25.8
Interest expense:
Interest on deposits	5.5			1.1	0.9	1.0	1.1	1.5
Interest on borrowings	0.3			0.1	0.1	0.1	0.1	0.1
	9.8	3.3	2.3	1.3	1.1	1.1	1.3	1.7
Net interest income	30.3	33.3	32.0	29.2	23.5	24.7	27.1	24.1
Net interest income after provision for loan losses	30.3	33.3	32.0	29.2	23.5	24.7	27.1	24.1
Other non-interest income	3.4	0.3	0.2	3.7	3.4	3.5	5.4	3.3
Total non-interest income	3.4	0.3	0.2	3.7	3.4	3.5	5.4	3.3
Non-interest expenses	21.0	21.2	20.7	21.8	18.2	18.0	16.4	16.6
Pre-tax income before non-recurring items	12.3	13.4	13.0	10.6	5.4	12.8	18.5	13.8
Non-recurring items	0.0	0.0	-0.1	0.0	0.0	0.0	0.0	-0.5
Pre-tax income	12.3	13.5	13.0	10.6	5.4	12.8	18.5	14.3
Income taxes	2.5	2.7	2.6	2.1	1.0	2.6	3.4	2.9
Tax rate	20.4%	19.9%	19.9%	20.0%	19.1%	20.1%	18.5%	20.1%
Net income	9.8	10.8	10.4	8.5	4.4	10.2	15.1	11.4
Net margin	29.0%	32.1%	32.4%	25.7%	16.4%	36.3%	46.3%	41.6%

Basic EPS	$1.22	$1.33	$1.29	$1.04	$0.53	$1.22	$1.80	$1.35
Diluted EPS	$1.21	$1.32	$1.28	$1.03	$0.53	$1.21	$1.79	$1.34

Shares outstanding (basic)	8.0	8.1	8.1	8.1	8.3	8.4	8.4	8.4
Shares outstanding (diluted)	8.1	8.2	8.2	8.2	8.3	8.4	8.4	8.5

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.