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		112.7	104.0	101.2	98.4	101.6	103.6	101.4
Interest income on investments				6.5	5.2	4.6	4.3	4.1
		125.9	115.1	109.3	104.5	106.9	108.5	105.9
Interest expense:
Interest on deposits				4.1	4.5	5.2	6.2	7.5
Interest on borrowings				0.4	0.5	0.5	0.5	0.5
		7.9	5.7	4.7	5.1	5.9	6.9	8.2
Net interest income		118.0	109.4	104.5	99.4	101.0	101.5	97.7
Net interest income after provision for loan losses		118.0	109.4	104.5	99.4	101.0	101.5	97.7
Other non-interest income		7.6	10.8	16.0	15.6	16.3	16.8	15.2
Total non-interest income		7.6	10.8	16.0	15.6	16.3	16.8	15.2
Non-interest expenses		81.9	78.7	74.5	69.3	67.0	65.0	64.6
Pre-tax income before non-recurring items		42.4	41.7	47.3	50.5	59.9	60.4	52.9
Non-recurring items		-0.1	-0.1	0.0	-0.5	-0.5	-0.5	-0.5
Pre-tax income		42.5	41.9	47.3	51.0	60.4	60.9	53.4
Income taxes		8.4	8.3	9.1	9.9	11.8	11.9	10.7
Tax rate		19.8%	19.9%	19.3%	19.4%	19.6%	19.6%	20.0%
Net income		34.1	33.5	38.2	41.1	48.6	49.0	42.7
Net margin		27.1%	27.9%	31.7%	35.7%	41.5%	41.4%	37.8%

Basic EPS		$4.18	$4.08	$4.61	$4.91	$5.78	$5.77	$4.99
Diluted EPS		$4.15	$4.05	$4.58	$4.88	$5.75	$5.75	$4.97

Shares outstanding (basic)		8.1	8.2	8.3	8.4	8.4	8.5	8.5
Shares outstanding (diluted)		8.2	8.3	8.3	8.4	8.5	8.5	8.6

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