XML 39 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6

Credit Quality and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Credit Quality and Allowance for Loan Losses [Abstract]

Allowance for loan losses and recorded investment

		As of June 30, 2012
(dollars in thousands)		Collectively Evaluated for Impairment				Individually Evaluated for Impairment				Loans Acquired with Deteriorated Credit Quality				Total
Allowance for loan losses:
One- to four-family first mortgage		$	756			$	46			$	—			$	802
Home equity loans and lines			336				—				—				336
Commercial real estate			1,929				89				—				2,018
Construction and land			702				135				—				837
Multi-family residential			103				—				—				103
Commercial and industrial			792				—				50				842
Consumer			376				—				—				376
Total allowance for loan losses		$	4,994			$	270			$	50			$	5,314
Loans:
One- to four-family first mortgage		$	160,749			$	1,415			$	11,063			$	173,227
Home equity loans and lines			37,441				77				4,017				41,535
Commercial real estate			232,542				7,364				28,539				268,445
Construction and land			59,781				2,130				4,131				66,042
Multi-family residential			17,189				528				2,424				20,141
Commercial and industrial			76,278				70				1,603				77,951
Consumer			31,802				—				629				32,431
Total loans		$	615,782			$	11,584			$	52,406			$	679,772

		As of December 31, 2011
(dollars in thousands)		Collectively Evaluated for Impairment				Individually Evaluated for Impairment				Loans Acquired with Deteriorated Credit Quality				Total
Allowance for loan losses:
One- to four-family first mortgage		$	706			$	72			$	—			$	778
Home equity loans and lines			321				15				—				336
Commercial real estate			1,626				129				—				1,755
Construction and land			708				196				—				904
Multi-family residential			64				—				—				64
Commercial and industrial			806				66				50				922
Consumer			345				—				—				345
Total allowance for loan losses		$	4,576			$	478			$	50			$	5,104
Loans:
One- to four-family first mortgage		$	168,943			$	1,090			$	12,784			$	182,817
Home equity loans and lines			38,406				94				5,165				43,665
Commercial real estate			190,553				2,249				34,197				226,999
Construction and land			71,207				2,305				5,481				78,993
Multi-family residential			16,392				529				3,204				20,125
Commercial and industrial			78,495				136				4,350				82,981
Consumer			29,529				—				1,262				30,791
Total loans		$	593,525			$	6,403			$	66,443			$	666,371

Summary of the activity in the allowance for loan losses

		For the Six Months Ended June 30, 2012
(dollars in thousands)		Beginning Balance				Charge-offs				Recoveries				Provision				Ending Balance
Allowance for loan losses:
One- to four-family first mortgage		$	778			$	—			$	—			$	24			$	802
Home equity loans and lines			336				(15	)			12				3				336
Commercial real estate			1,755				(1,452	)			—				1,715				2,018
Construction and land			904				(151	)			—				84				837
Multi-family residential			64				—				—				39				103
Commercial and industrial			922				(55	)			4				(29	)			842
Consumer			345				(11	)			6				36				376
Total allowance for loan losses		$	5,104			$	(1,684	)		$	22			$	1,872			$	5,314

		For the Six Months Ended June 30, 2011
(dollars in thousands)		Beginning Balance				Charge-offs				Recoveries				Provision				Ending Balance
Allowance for loan losses:
One- to four-family first mortgage		$	641			$	—			$	10			$	(43	)		$	608
Home equity loans and lines			296				—				—				13				309
Commercial real estate			1,258				—				4				209				1,471
Construction and land			666				—				—				(7	)			659
Multi-family residential			46				—				—				1				47
Commercial and industrial			746				(244	)			13				161				676
Consumer			267				(16	)			3				33				287
Total allowance for loan losses		$	3,920			$	(260	)		$	30			$	367			$	4,057

Schedule of past due loans

		June 30, 2012
(dollars in thousands)		30-59 Days Past  Due				60-89 Days Past  Due				Greater Than  90 Days Past Due				Total Past Due				Current Loans				Total Loans
Real estate loans:
One- to four-family first mortgage		$	4,185			$	986			$	1,797			$	6,968			$	155,196			$	162,164
Home equity loans and lines			42				—				272				314				37,204				37,518
Commercial real estate			271				—				7,797				8,068				231,838				239,906
Construction and land			165				—				1,347				1,512				60,399				61,911
Multi-family residential			921				—				584				1,505				16,212				17,717
Total real estate loans			5,584				986				11,797				18,367				500,849				519,216
Other loans:
Commercial and industrial			308				75				—				383				75,965				76,348
Consumer			104				92				12				208				31,594				31,802
Total other loans			412				167				12				591				107,559				108,150
Total loans		$	5,996			$	1,153			$	11,809			$	18,958			$	608,408			$	627,366

		December 31, 2011
(dollars in thousands)		30-59 Days Past  Due				60-89 Days Past  Due				Greater Than  90 Days Past Due				Total Past Due				Current Loans				Total Loans
Real estate loans:
One- to four-family first mortgage		$	3,740			$	451			$	2,053			$	6,244			$	163,789			$	170,033
Home equity loans and lines			242				—				171				413				38,087				38,500
Commercial real estate			1,384				704				1,862				3,950				188,852				192,802
Construction and land			1,376				13				812				2,201				71,311				73,512
Multi-family residential			944				—				707				1,651				15,270				16,921
Total real estate loans			7,686				1,168				5,605				14,459				477,309				491,768
Other loans:
Commercial and industrial			309				95				—				404				78,227				78,631
Consumer			216				38				50				304				29,225				29,529
Total other loans			525				133				50				708				107,452				108,160
Total loans		$	8,211			$	1,301			$	5,655			$	15,167			$	584,761			$	599,928

Schedule of impaired loans

		For the Six Months Ended June 30, 2012
(dollars in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
One- to four-family first mortgage		$	1,044			$	1,044			$	—			$	829			$	28
Home equity loans and lines			77				77				—				78				2
Commercial real estate			7,221				7,221				—				2,329				92
Construction and land			1,001				1,001				—				546				29
Multi-family residential			528				528				—				528				—
Commercial and industrial			70				70				—				60				1
Consumer			—				—				—				—				—
Total		$	9,941			$	9,941			$	—			$	4,370			$	152
With an allowance recorded:
One- to four-family first mortgage		$	371			$	371			$	46			$	522			$	12
Home equity loans and lines			—				—				—				6				—
Commercial real estate			143				143				89				447				—
Construction and land			1,129				1,129				135				1,469				22
Multi-family residential			—				—				—				—				—
Commercial and industrial			—				—				—				55				—
Consumer			—				—				—				—				—
Total		$	1,643			$	1,643			$	270			$	2,499			$	34
Total impaired loans:
One- to four-family first mortgage		$	1,415			$	1,415			$	46			$	1,351			$	40
Home equity loans and lines			77				77				—				84				2
Commercial real estate			7,364				7,364				89				2,776				92
Construction and land			2,130				2,130				135				2,015				51
Multi-family residential			528				528				—				528				—
Commercial and industrial			70				70				—				115				1
Consumer			—				—				—				—				—
Total		$	11,584			$	11,584			$	270			$	6,869			$	186

		For the Year Ended December 31, 2011
(dollars in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
One- to four-family first mortgage		$	540			$	540			$	—			$	745			$	28
Home equity loans and lines			79				79				—				58				3
Commercial real estate			1,747				1,747				—				996				60
Construction and land			734				734				—				672				40
Multi-family residential			529				529				—				41				25
Commercial and industrial			70				70				—				55				4
Consumer			—				—				—				—				—
Total		$	3,699			$	3,699			$	—			$	2,567			$	160
With an allowance recorded:
One- to four-family first mortgage		$	550			$	550			$	72			$	78			$	38
Home equity loans and lines			15				15				15				10				1
Commercial real estate			501				501				129				301				14
Construction and land			1,572				1,572				196				510				88
Multi-family residential			—				—				—				25				—
Commercial and industrial			66				66				66				130				3
Consumer			—				—				—				2				—
Total		$	2,704			$	2,704			$	478			$	1,056			$	144
Total impaired loans:
One- to four-family first mortgage		$	1,090			$	1,090			$	72			$	823			$	66
Home equity loans and lines			94				94				15				68				4
Commercial real estate			2,249				2,249				129				1,297				74
Construction and land			2,305				2,305				196				1,182				128
Multi-family residential			529				529				—				66				25
Commercial and industrial			136				136				66				185				7
Consumer			—				—				—				2				—
Total		$	6,403			$	6,403			$	478			$	3,623			$	304

Schedule of debtor troubled debt restructuring, current period

		As of June 30, 2012
(dollars in thousands)		Current				Past Due Greater Than 30 Days				Nonaccrual TDRs				Total TDRs
Real estate loans:
One- to four-family first mortgage		$	303			$	—			$	—			$	303
Home equity loans and lines			—				—				—				—
Commercial real estate			308				—				1,274				1,582
Construction and land			191				—				—				191
Multi-family residential			—				—				678				678
Total real estate loans			802				—				1,952				2,754
Other loans:
Commercial and industrial			12				—				—				12
Consumer			37				—				—				37
Total other loans			49				—				—				49
Total loans		$	851			$	—			$	1,952			$	2,803

		As of December 31, 2011
(dollars in thousands)		Current				Past Due Greater Than 30 Days				Nonaccrual TDRs				Total TDRs
Real estate loans:
One- to four-family first mortgage		$	—			$	—			$	—			$	—
Home equity loans and lines			15				—				—				15
Commercial real estate			319				—				117				436
Construction and land			198				—				—				198
Multi-family residential			—				—				—				—
Total real estate loans			532				—				117				649
Other loans:
Commercial and industrial			22				—				—				22
Consumer			44				—				—				44
Total other loans			66				—				—				66
Total loans		$	598			$	—			$	117			$	715

Schedule of financing receivables, nonaccrual status

(dollars in thousands)		June 30, 2012				December 31, 2011
Nonaccrual loans (1):
One- to four-family first mortgage		$	2,977			$	4,298
Home equity loans and lines			272				191
Commercial real estate			9,658				4,194
Construction and land			1,470				813
Multi-family residential			1,383				1,322
Commercial and industrial			70				139
Consumer			12				50
Total		$	15,842			$	11,007

⁽¹⁾ Includes $8.8 million and $7.2 million in acquired loans from GSFC as of June 30, 2012 and December 31, 2011, respectively.

X

- Definition

Allowance for loan losses and recorded investments.

+ References

No definition available.

+ Details

Name:	hbcp_AllowanceForLoanLossesAndRecordedInvestmentsTableTextBlock
Namespace Prefix:	hbcp_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524

+ Details

Name:	us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Details

Name:	us-gaap_LoansAndLeasesReceivableDisclosureAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953401-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of troubled debt restructurings in the current period: (1) for each restructuring, the principal changes in terms, the major features of settlement, or both; (2) the aggregate gain (loss) on restructuring of payables; (3) the income tax effect on the gain or loss recognized on the restructuring of payables; (4) the gain (loss) recognized on the restructuring of payables, after the impact of income tax expense or benefit; and (5) the aggregate gain (loss) on transfer of assets recognized during the period, after the impact of income tax expense or benefit.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 15

-Paragraph 25

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 470

-SubTopic 60

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15743-112638

+ Details

Name:	us-gaap_ScheduleOfDebtorTroubledDebtRestructuringCurrentPeriodTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration