Home Bancorp Announces 2012 Third Quarter Results
Home Bancorp Announces 2012 Third Quarter Results
PR Newswire
LAFAYETTE, La., Oct. 23, 2012
LAFAYETTE, La., Oct. 23, 2012 /PRNewswire/ -- Home Bancorp, Inc. (Nasdaq:
"HBCP") (the "Company"), the parent company for Home Bank
(www.home24bank.com), a Federally chartered savings bank headquartered in
Lafayette, Louisiana (the "Bank"), announced net income of $3.1 million for
the third quarter of 2012, an increase of $1.3 million, or 74%, compared to
the second quarter of 2012 and an increase of $2.1 million, or 231%, compared
to the third quarter of 2011. Third quarter 2011 results include $1.4 million
of pre-tax expenses related to the acquisition of GS Financial Corp.
("GSFC"). Excluding those merger-related expenses, net income for the third
quarter of 2012 increased $1.2 million, or 62%, compared to the third quarter
of 2011. Diluted earnings per share were $0.42 for the third quarter of 2012,
an increase of $0.18, or 75%, compared to the second quarter of 2012 and an
increase of $0.29, or 223%, compared to the third quarter of 2011. Excluding
third quarter 2011 merger-related expenses, diluted earnings per share for the
third quarter of 2012 increased $0.16, or 62%, compared to the third quarter
of 2011.
"The extended period of low interest rates, the lack of confidence in the
national economy and the uncertainty of the upcoming elections make for a
challenging environment," stated John W. Bordelon, President and Chief
Executive Officer of the Company and the Bank. "Despite these challenges, we
will remain true to our conservative risk management philosophies."
"Our bankers continue to do an outstanding job working with our customers to
ensure Home Bank adds value to their businesses," added Mr. Bordelon.
Loans and Credit Quality
Loans totaled $670.7 million at September 30, 2012, a decrease of $9.1
million, or 1%, from June 30, 2012, and an increase of $17.0 million, or 3%,
from September 30, 2011. The decrease in loans during the third quarter
related primarily to commercial and industrial (down $7.2 million) and
construction and land loans (down $2.7 million) as a result of maturities and
paydowns.
The following table sets forth the composition of the Company's loan portfolio
(including loans covered by loss sharing agreements) as of the dates
indicated.
September 30, December 31, Increase/(Decrease)
(dollars in thousands) 2012 2011 Amount Percent
Real estate loans:
One- to
four-family first $ 174,694 $ 182,817 $ (8,123) (4) %
mortgage
Home equity loans 39,785 43,665 (3,880) (9)
and lines
Commercial real 268,672 226,999 41,673 18
estate
Construction and 63,320 78,994 (15,674) (20)
land
Multi-family 19,729 20,125 (396) (2)
residential
Total real 566,200 552,600 13,600 2
estate loans
Other loans:
Commercial and 70,770 82,980 (12,210) (15)
industrial
Consumer 33,688 30,791 2,897 9
Total other 104,458 113,771 (9,313) (8)
loans
Total loans $ 670,658 $ 666,371 $ 4,287 1 %
Nonperforming assets ("NPAs"), which includes $12.2 million in assets covered
under loss sharing agreements with the FDIC ("Covered Assets") and $11.2
million acquired from GSFC, totaled $30.2 million at September 30, 2012, a
decrease of $137,000 compared to June 30, 2012 and an increase of $2.1 million
compared to September 30, 2011. The ratio of total NPAs to total assets was
3.10% at September 30, 2012, compared to 3.06% at June 30, 2012 and 2.88% at
September 30, 2011. Excluding acquired assets, the ratio of NPAs was 0.86% at
September 30, 2012, compared to 0.90% at June 30, 2012 and 0.27% at September
30, 2011.
The Company recorded net loan charge-offs of $464,000 during the third quarter
of 2012, compared to net loan charge-offs of $1.7 million and $53,000 in the
second quarter of 2012 and third quarter of 2011, respectively. Net
charge-offs for the third quarter of 2012 resulted primarily from an
additional write down of $385,000 on a $5.4 million CRE loan which was
originally written down in the second quarter of 2012. The collateral
underlying the original loan was transferred into repossessed assets during
the third quarter of 2012. The Company's provision for loan losses for the
third quarter of 2012 was $56,000, compared to $1.2 million for the second
quarter of 2012 and $526,000 for the third quarter of 2011.
Excluding acquired loans, the ratio of allowance for loan losses to total
loans was 1.01% at September 30, 2012, compared to 1.05% at June 30, 2012 and
1.09% at September 30, 2011. Including acquired loans, the ratio of
allowance for loan losses to total loans was 0.73% at September 30, 2012,
compared to 0.78% and 0.69% at June 30, 2012 and September 30, 2011,
respectively.
Investment Securities Portfolio
The Company's investment securities portfolio totaled $155.1 million at
September 30, 2012, a decrease of $85,000, or 0.1%, from June 30, 2012, and a
decrease of $14.4 million, or 9%, from September 30, 2011. At September 30,
2012, the Company had a net unrealized gain position on its investment
securities portfolio of $5.2 million, compared to net unrealized gains of $4.1
million and $2.5 million at June 30, 2012 and September 30, 2011,
respectively. At September 30, 2012, the investment securities portfolio had
a modified duration of 3.7 years.
During the third quarter of 2012, the Company sold one security with an
aggregate book value of $2.4 million and realized a gain of $163,000 on the
transaction.
Deposits
Core deposits (i.e., checking, savings and money market accounts) increased
for the thirteenth consecutive quarter, growing $18.0 million, or 4%, during
the third quarter of 2012. Total deposits were $784.9 million at September
30, 2012, an increase of $5.7 million, or 1%, from June 30, 2012, and an
increase of $65.5 million, or 9%, from September 30, 2011.
The following table sets forth the composition of the Company's deposits at
the dates indicated.
September 30, December 31, Increase / (Decrease)
(dollars in 2012 2011 Amount Percent
thousands)
Demand deposit $ 161,119 $ 127,828 $ 33,291 26 %
Savings 48,432 43,671 4,761 11
Money market 194,125 180,790 13,335 7
NOW 117,435 93,679 23,756 25
Certificates of 263,831 284,766 (20,935) (7)
deposit
Total $ 784,942 $ 730,734 $ 54,208 7 %
deposits
Share Repurchases
The Company purchased 162,629 shares of its common stock during the third
quarter of 2012 at an average price per share of $17.10 under the share
repurchase plan announced in July 2012. The Company may repurchase up to
383,598 shares, or approximately 5%, of the Company's outstanding common stock
under the July 2012 plan; hence, an additional 220,969 shares remain eligible
for purchase under the plan. The tangible book value per share of the
Company's common stock was $18.35 at September 30, 2012.
Net Interest Income
Net interest income for the third quarter of 2012 totaled $10.9 million, an
increase of $948,000, or 10%, compared to the second quarter of 2012, and an
increase of $1.5 million, or 16%, compared to the third quarter of 2011. The
Company's net interest margin was 4.94% for the third quarter of 2012, 30
basis points higher than the second quarter of 2012 and 40 basis points higher
than the third quarter of 2011. The increase in the net interest margin
related primarily to an increase in the yield earned on loans covered under
loss sharing agreements with the FDIC ("Covered Loans"). In accordance with
ASC 310, Receivables, the Company evaluates the expected cash flows of
acquired loans throughout the year. As a result of improved cash flow
expectations related to Covered Loans, the Company adjusted the accretable
yield recognized on Covered Loans during the quarter. Excluding such
adjustments, the yield on loans receivable would have been 6.25% and the net
interest margin would have been 4.70% during the third quarter of 2012.
The following table sets forth the Company's average volume and rate of its
interest-earning assets and interest-bearing liabilities for the periods
indicated.
For the Three Months Ended
September 30, 2012 June 30, 2012 September 30, 2011
(dollars in Average Average Average Average Average Average
thousands) Balance Yield/Rate Balance Yield/Rate Balance Yield/Rate
Interest-earning
assets:
Loans receivable $ 678,936 6.55 % $ 674,244 6.12 % $ 612,416 6.25 %
Investment 149,472 2.06 152,916 2.12 174,208 2.35
securities
Other
interest-earning 41,373 0.40 26,504 0.53 28,447 0.51
assets
Total
interest-earning 869,781 5.49 853,664 5.23 815,071 5.22
assets
Interest-bearing
liabilities:
Deposits:
Savings,
checking, and 355,107 0.34 329,371 0.39 300,000 0.52
money market
Certificates of 269,840 1.08 276,800 1.11 273,407 1.20
deposit
Total
interest-bearing 624,947 0.66 606,171 0.72 573,407 0.84
deposits
FHLB advances 48,175 1.39 73,488 0.97 105,828 0.68
Total
interest-bearing $ 673,122 0.71 $ 679,659 0.75 $ 679,235 0.82
liabilities
Net interest 4.78 % 4.48 % 4.40 %
spread
Net interest 4.94 % 4.64 % 4.54 %
margin
Noninterest Income
Noninterest income for the third quarter of 2012 totaled $2.1 million, an
increase of $187,000, or 10%, compared to the second quarter of 2012 and an
increase of $488,000, or 31%, compared to the third quarter of 2011. The
increase in noninterest income in the third quarter of 2012 compared to the
second quarter of 2012 resulted primarily from higher gains on the sale of
mortgage loans (up $234,000) and gains on the sale of securities (up
$103,000), which were partially offset by decreases in discount accretion on
FDIC loss sharing receivable, service fees and charges and bank card fees.
The increase in noninterest income in the third quarter of 2012 compared to
the third quarter of 2011 resulted primarily from higher gains on the sale of
mortgage loans (up $487,000) and gains on the sale of securities (up
$163,000), which were partially offset by decreases in discount accretion on
FDIC loss sharing receivable, service fees and charges and bank card fees.
Noninterest Expense
Noninterest expense for the third quarter of 2012 totaled $8.4 million, an
increase of $346,000, or 4%, compared to the second quarter of 2012 and a
decrease of $793,000, or 9%, compared to the third quarter of 2011.
Noninterest expense for the third quarter of 2011 included $1.4 million of
expenses related to the acquisition of GSFC. Excluding merger-related
expenses, noninterest expense for the third quarter of 2012 increased
$655,000, or 8%, compared to the third quarter of 2011. The increase in
noninterest expense in the third quarter of 2012 compared to the second
quarter of 2012 resulted primarily from an increase in compensation and
benefits (up $220,000) and higher accruals for franchise and shares tax (up
$130,000).
Excluding merger-related expenses in the third quarter of 2011, noninterest
expense increased $655,000, or 8%, in the third quarter of 2012 compared to
the third quarter of 2011. The increase resulted primarily from higher
compensation and benefits (up $598,000) and expenses related to foreclosed
assets as a result of resolution costs related to NPAs acquired from GSFC (up
$173,000).
Non-GAAP Reconciliation
For the Three Months Ended
(dollars in thousands) September 30, June 30, 2012 September 30,
2012 2011
Reported noninterest expense $ 8,389 $ 8,043 $ 9,182
Less: Merger-related expenses - - (1,449)
Non-GAAP noninterest expense $ 8,389 $ 8,043 $ 7,733
Reported net income $ 3,052 $ 1,753 $ 923
Add: Merger-related expenses (after - - 956
tax)
Non-GAAP net income $ 3,052 $ 1,753 $ 1,889
For the Nine Months Ended
(dollars in thousands) September 30, September 30,
2012 2011
Reported noninterest expense $ 24,241 $22,701
Less: Merger-related expenses - (1,834)
Non-GAAP noninterest expense $ 24,241 $20,867
Reported net income $ 6,865 $ 2,986
Add: Merger-related expenses (after - 1,211
tax)
Non-GAAP net income $ 6,865 $ 4,197
This news release contains financial information determined by methods other
than in accordance with generally accepted accounting principles ("GAAP"). The
Company's management uses this non-GAAP financial information in its analysis
of the Company's performance. In this news release, information is included
which excludes acquired loans and impact of merger-related expenses.
Management believes the presentation of this non-GAAP financial information
provides useful information that is essential to a proper understanding of the
Company's financial position and core operating results. This non-GAAP
financial information should not be viewed as a substitute for financial
information determined in accordance with GAAP, nor are they necessarily
comparable to non-GAAP financial information presented by other companies.
This news release contains certain forward‑looking statements. Forward‑looking
statements can be identified by the fact that they do not relate strictly to
historical or current facts. They often include the words "believe,"
"expect," "anticipate," "intend," "plan," "estimate" or words of similar
meaning, or future or conditional verbs such as "will," "would," "should,"
"could" or "may."
Forward‑looking statements, by their nature, are subject to risks and
uncertainties. A number of factors ‑ many of which are beyond our control ‑
could cause actual conditions, events or results to differ significantly from
those described in the forward‑looking statements. Home Bancorp's Annual
Report on Form 10-K for the year ended December 31, 2011, describes some of
these factors, including risk elements in the loan portfolio, the level of the
allowance for losses on loans, risks of our growth strategy, geographic
concentration of our business, dependence on our management team, risks of
market rates of interest and of regulation on our business and risks of
competition. Forward‑looking statements speak only as of the date they are
made. We do not undertake to update forward‑looking statements to reflect
circumstances or events that occur after the date the forward‑looking
statements are made or to reflect the occurrence of unanticipated events.
HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF FINANCIAL CONDITION
September September % June 30 December 31,
30, 30,
2012 2011 Change 2012 2011
Assets
Cash and cash $ $ 57 % $ $
equivalents 52,307,703 33,228,854 51,694,432 31,769,438
Interest-bearing
deposits in 4,019,000 6,318,000 (36) 4,509,000 5,583,000
banks
Investment
securities
available for 153,006,535 165,513,687 (8) 152,718,411 155,259,978
sale, at fair
value
Investment
securities held 2,049,718 3,938,656 (48) 2,422,574 3,461,717
to maturity
Mortgage loans 5,572,587 8,928,396 (38) 4,832,498 1,672,597
held for sale
Loans covered by
loss sharing 49,500,917 67,296,479 (26) 46,827,556 61,070,360
agreements
Noncovered
loans, net of 621,157,286 586,339,131 6 632,944,049 605,301,127
unearned income
Total loans 670,658,203 653,635,610 3 679,771,605 666,371,487
Allowance for (4,906,292) (4,529,834) 8 (5,314,386) (5,104,363)
loan losses
Total
loans, net of 665,751,911 649,105,776 3 674,457,219 661,267,124
allowance for
loan losses
FDIC loss
sharing 16,813,909 25,628,190 (34) 22,827,051 24,222,190
receivable
Office
properties and 30,910,746 31,314,946 (1) 30,618,073 31,763,692
equipment, net
Cash surrender
value of 17,157,946 16,628,613 3 17,033,380 16,771,174
bank-owned life
insurance
Accrued interest
receivable and 26,720,243 31,568,285 (15) 27,402,864 32,018,228
other assets
Total Assets $ $ - $ $
974,310,298 972,173,403 988,515,502 963,789,138
Liabilities
Deposits $ $ 9 % $ $
784,941,867 719,460,464 779,233,938 730,733,755
Federal Home
Loan Bank 43,440,343 113,458,132 (62) 54,874,645 93,622,954
advances
Accrued interest
payable and 5,717,129 6,187,857 (8) 15,375,621 5,147,595
other
liabilities
Total 834,099,339 839,106,453 (1) 849,484,204 829,504,304
Liabilities
Shareholders'
Equity
Common stock 89,483 89,497 - % 89,453 89,335
Additional 90,513,760 89,336,376 1 90,069,141 89,741,406
paid-in capital
Treasury stock (20,365,995) (14,376,355) 42 (17,208,855) (15,892,315)
Common stock
acquired by (7,544,939) (8,714,783) (13) (7,666,096) (8,625,513)
benefit plans
Retained 74,110,812 65,111,099 14 71,058,483 67,245,350
earnings
Accumulated
other 3,407,838 1,621,116 110 2,689,172 1,726,571
comprehensive
income
Total
Shareholders' 140,210,959 133,066,950 5 139,031,298 134,284,834
Equity
Total
Liabilities and $ $ - $ $
Shareholders' 974,310,298 972,173,403 988,515,502 963,789,138
Equity
HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
For The Three Months For The Nine Months
Ended Ended
September 30, % September 30, %
2012 2011 Change 2012 2011 Change
Interest
Income
Loans, $ $ $ $
including 11,309,112 9,728,512 16 % 33 %
fees 32,063,514 24,154,691
Investment 769,202 1,023,976 (25) 2,440,833 2,802,155 (13)
securities
Other
investments 41,404 36,280 14 110,870 107,543 3
and deposits
Total
interest 12,119,718 10,788,768 12 34,615,217 27,064,389 28
income
Interest
Expense
Deposits 1,036,707 1,219,492 (15) % 3,253,133 3,431,545 (5) %
Federal Home
Loan Bank 166,984 180,839 (8) 525,587 396,565 33
advances
Total
interest 1,203,691 1,400,331 (14) 3,778,720 3,828,110 (1)
expense
Net interest 10,916,027 9,388,437 16 30,836,497 23,236,279 33
income
Provision for 55,736 525,510 (89) 1,927,962 892,459 116
loan losses
Net interest
income after 10,860,291 8,862,927 23 28,908,535 22,343,820 29
provision for
loan losses
Noninterest
Income
Service fees 535,016 601,916 (11) % 1,688,874 1,622,339 4 %
and charges
Bank card 443,986 451,959 (2) 1,396,678 1,294,146 8
fees
Gain on sale 651,457 163,986 297 1,395,561 389,673 258
of loans, net
Income from
bank-owned 124,566 143,612 (13) 386,772 435,968 (11)
life
insurance
Gain (loss)
on the sale
of 162,534 - - 221,781 (166,082) 234
securities,
net
Discount
accretion of
FDIC loss 108,762 193,349 (44) 461,893 663,281 (30)
sharing
receivable
Settlement of - - - - 525,000 -
litigation
Other income 60,537 44,379 36 134,870 158,288 (15)
Total
noninterest 2,086,858 1,599,201 30 5,686,429 4,922,613 16
income
Noninterest
Expense
Compensation 5,046,836 5,215,478 (3) % 14,569,194 13,128,998 11 %
and benefits
Occupancy 722,320 709,640 2 2,119,265 1,834,066 16
Marketing and 202,400 291,628 (31) 538,764 667,824 (19)
advertising
Data
processing 694,440 1,314,568 (47) 2,033,779 2,428,075 (16)
and
communication
Professional 213,294 327,728 (35) 701,030 1,174,980 (40)
fees
Forms,
printing and 111,203 141,008 (21) 377,918 402,082 (6)
supplies
Franchise and 305,889 221,017 38 657,191 582,018 13
shares tax
Regulatory 218,193 258,234 (16) 629,368 688,616 (9)
fees
Foreclosed 248,089 75,147 230 758,813 229,047 231
assets, net
Other 626,409 627,945 - 1,855,486 1,564,909 19
expenses
Total
noninterest 8,389,073 9,182,393 (9) 24,240,808 22,700,615 7
expense
Income before
income tax 4,558,076 1,279,735 256 10,354,156 4,565,818 127
expense
Income tax 1,505,746 356,336 323 3,488,694 1,580,288 121
expense
$ $ $ $
Net income 3,052,330 923,399 231 130
6,865,462 2,985,530
Earnings per $ $ $ $
share - basic 0.44 0.13 238 % 136 %
0.99 0.42
Earnings per $ $ $ $
share - 0.42 0.13 223 132
diluted 0.95 0.41
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
For The Three Months For The
Ended Three
September 30, % Months %
Ended
2012 2011 Change June 30, Change
2012
(dollars in
thousands except
per share data)
EARNINGS DATA
Total interest $ $ $
income 12,120 10,788 12 % 8 %
11,230
Total interest 1,204 1,400 (14) 1,262 (5)
expense
Net interest 10,916 9,388 16 9,968 10
income
Provision for loan 56 526 (89) 1,160 (95)
losses
Total noninterest 2,087 1,599 31 1,900 10
income
Total noninterest 8,389 9,182 (9) 8,043 4
expense
Income tax expense 1,506 356 323 912 65
$ $ $
Net income 3,052 923 231 74
1,753
AVERAGE BALANCE
SHEET DATA
$ $ $
Total assets 974,761 926,101 5 % 1 %
963,270
Total
interest-earning 869,781 815,071 7 853,664 2
assets
Totals loans 678,936 612,416 11 674,244 1
Total
interest-bearing 624,947 573,407 9 606,171 3
deposits
Total
interest-bearing 673,122 679,235 (1) 679,659 (1)
liabilities
Total deposits 783,542 689,014 14 747,148 5
Total
shareholders' 140,548 127,750 10 139,113 1
equity
SELECTED RATIOS
^(1)
Return on average 1.25 % 0.40 % 213 % 0.73 % 71 %
assets
Return on average 8.69 2.89 201 5.04 72
equity
Efficiency ratio 64.52 83.57 (23) 67.77 (5)
^(2)
Average equity to 14.42 13.79 5 14.44 -
average assets
Tier 1 leverage 13.23 12.17 9 12.72 4
capital ratio^(3)
Total risk-based 21.39 21.17 1 20.70 3
capital ratio^(3)
Net interest 4.94 4.54 9 4.64 6
margin ^(4)
PER SHARE DATA
Basic earnings per $ $ $
share 0.44 0.13 238 % 76 %
0.25
Diluted earnings 0.42 0.13 223 0.24 75
per share
Book value at 18.66 16.92 10 18.07 3
period end
Tangible book
value at period 18.35 16.60 11 17.76 3
end
PER SHARE DATA
Shares outstanding 7,512,360 7,862,154 (4) % 7,693,769 (2) %
at period end
Weighted average
shares outstanding
Basic 6,950,785 7,173,443 (3) % 6,972,170 - %
Diluted 7,212,323 7,274,615 (1) 7,234,806 -
^(1) With the exception of end-of-period ratios, all ratios are based on
average monthly balances during the respective periods.
^(2) The efficiency ratio represents noninterest expense as a percentage of
total revenues. Total revenues is the sum of net interest income and
noninterest income.
^(3) Capital ratios are end of period ratios for the Bank only.
^(4) Net interest margin represents net interest income as a percentage of
average interest-earning assets.
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION
September 30, 2012 June 30, 2012 September 30, 2011
Covered Noncovered Total Covered Noncovered Total Covered Noncovered Total
(dollars in
thousands)
CREDIT
QUALITY^(1)
(2)
Nonaccrual $ $ $ $ $15,842 $ $ $ $
loans 9,106 12,608 21,714 9,585 25,427 10,680 8,791 19,471
Accruing loans
past due 90 - - - - - - - - -
days and over
Total
nonperforming 9,106 12,608 21,714 9,585 15,842 25,427 10,680 8,791 19,471
loans
Foreclosed 3,143 5,300 8,443 3,244 1,623 4,867 5,495 3,066 8,561
assets
Total
nonperforming 12,249 17,908 30,157 12,829 17,465 30,294 16,175 11,857 28,032
assets
Performing
troubled debt 675 816 1,491 20 831 851 29 587 616
restructurings
Total
nonperforming
assets and
troubled
debt $ $ $ $ $18,296 $ $ $ $
restructurings 12,924 18,724 31,648 12,849 31,145 16,204 12,444 28,648
Nonperforming
assets to 3.10 % 3.06 % 2.88 %
total assets
Nonperforming
loans to total 2.23 2.57 2.00
assets
Nonperforming
loans to total 3.24 3.74 2.98
loans
Allowance for
loan losses to 16.27 17.54 16.16
nonperforming
assets
Allowance for
loan losses to 22.60 20.90 23.26
nonperforming
loans
Allowance for
loan losses to 0.73 0.78 0.69
total loans
Year-to-date $ $ $
loan 2,151 1,684 320
charge-offs
Year-to-date
loan 25 22 38
recoveries
Year-to-date $ $ $
net loan 2,126 1,662 282
charge-offs
Annualized YTD
net loan 0.42 % 0.49 % 0.06 %
charge-offs to
total loans
^(1) Nonperforming loans consist of nonaccruing loans and accruing loans 90 days or more past due.
Nonperforming assets consist of nonperforming loans and repossessed assets. It is our policy to cease
accruing interest on loans 90 days or more past due. Repossessed assets consist of assets acquired
through foreclosure or acceptance of title in-lieu of foreclosure.
^(2) Asset quality information includes assets covered under FDIC loss sharing agreements. Such assets
covered by FDIC loss sharing agreements are referred to as "Covered" assets. All other assets are
referred to as "Noncovered".
SOURCE Home Bancorp, Inc.
Website: http://www.home24bank.com
Contact: John W. Bordelon, President and CEO, +1-337-237-1960
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