hmst-20240430

0001518715-24-000106.txt : 20240430 0001518715-24-000106.hdr.sgml : 20240430 20240430170729 ACCESSION NUMBER: 0001518715-24-000106 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20240430 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240430 DATE AS OF CHANGE: 20240430 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HomeStreet, Inc. CENTRAL INDEX KEY: 0001518715 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 910186600 STATE OF INCORPORATION: WA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-35424 FILM NUMBER: 24898407 BUSINESS ADDRESS: STREET 1: 601 UNION STREET STREET 2: SUITE 2000 CITY: SEATTLE STATE: WA ZIP: 98101 BUSINESS PHONE: 206-623-3050 MAIL ADDRESS: STREET 1: 601 UNION STREET STREET 2: SUITE 2000 CITY: SEATTLE STATE: WA ZIP: 98101 8-K 1 hmst-20240430.htm 8-K hmst-20240430

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

The Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): April 30, 2024

HOMESTREET, INC.

(Exact name of registrant as specified in its charter)

Washington

001-35424

91-0186600

(State or other jurisdiction
of incorporation)

(Commission
File Number)

(IRS Employer
Identification No.)

601 Union Street, Ste. 2000, Seattle, WA 98101

(Address of principal executive offices) (Zip Code)

(206) 623-3050

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


☒			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))


Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, No Par Value	HMST	Nasdaq Global Select Market


			Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Act or Rule 12b-2 of the Exchange Act.


☐			Emerging growth company

☐			If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 12(a) of the Exchange Act.


Item 2.02			Results of Operations and Financial Condition

On April 30, 2024, HomeStreet, Inc. issued a press release reporting results of operations for the first quarter of 2024. A copy of the earnings release is attached as Exhibit 99.1. A copy of the press release reporting summary results of operations is attached as Exhibit 99.2. This information shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and is not incorporated by reference into any filing under the Securities Act of 1933, as amended, or Securities Exchange Act of 1934, as amended.


Item 9.01			Financial Statements and Exhibits

(d)			Exhibits.
Exhibit 99.1			Earnings Release issued by HomeStreet, Inc. dated April 30, 2024 regarding its results of operations for the first quarter of 2024.
Exhibit 99.2			Summary Press Release issued by HomeStreet, Inc. dated April 30, 2024 regarding its results of operations for the first quarter of 2024.
Exhibit 104			Cover Page Interactive Data File (embedded within with Inline XBRL)

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This communication contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, regarding the proposed transaction between HomeStreet and FirstSun. In general, forward-looking statements can be identified through use of words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential” or the negative of these terms or other comparable terminology, and include statements related to the expected timing, completion, financial benefits, and other effects of the proposed mergers (the "Merger"). Forward‑looking statements are not historical facts and represent management’s beliefs, based upon information available at the time the statements are made, with regard to the matters addressed; they are not guarantees of future performance. Actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. Forward-looking statements are subject to numerous assumptions, risks and uncertainties that change over time and could cause actual results or financial conditions to differ materially from those expressed in or implied by such statements.

Factors that could cause or contribute to such differences include, but are not limited to, (1) expected cost savings, synergies and other financial benefits from the Merger not being realized within the expected time frames or at all and costs or difficulties relating to integration matters being greater than expected, (2) the ability of HomeStreet to obtain the necessary approval by its shareholders, (3) the ability of FirstSun and HomeStreet to obtain required governmental and regulatory approvals of the Merger when expected or at all (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the Merger), (4) the ability of FirstSun to consummate their investment agreements to obtain the necessary capital to support the transaction, (5) the failure of the closing conditions in the Merger Agreement, dated as of January 16, 2024, by and between HomeStreet and FirstSun to be satisfied, or any unexpected delay in closing the Merger, (6) the occurrence of any event, change or other circumstance that could give rise to the right of one or both of the parties to terminate the Merger Agreement, (7) the diversion of management's attention from ongoing business operations and opportunities, (8) potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the Merger, and (9) the outcome of any legal proceedings that have been or may be instituted against FirstSun or HomeStreet. Further information regarding additional factors that could affect the forward-looking statements can be found in the cautionary language included under the headings “Cautionary Statement Regarding Forward-Looking Statements” and “Risk Factors” in

FirstSun’s preliminary registration statement on Form S-4 that contains a preliminary HomeStreet proxy statement and a preliminary prospectus of FirstSun discussed below, and other documents subsequently filed by FirstSun and HomeStreet with the U.S. Securities and Exchange Commission (“SEC”).

ADDITIONAL INFORMATION AND WHERE TO FIND IT

IN CONNECTION WITH THE MERGER BETWEEN FIRSTSUN, A DELAWARE CORPORATION, AND HOMESTREET, A WASHINGTON CORPORATION, FIRSTSUN FILED WITH THE SEC A PRELIMINARY REGISTRATION STATEMENT ON FORM S-4 THAT INCLUDED A PRELIMINARY PROXY STATEMENT OF HOMESTREET AND A PRELIMINARY PROSPECTUS OF FIRSTSUN ON MARCH 8, 2024, WHICH IS NOT YET FINAL AND WILL BE AMENDED, AS WELL AS OTHER RELEVANT DOCUMENTS CONCERNING THE PROPOSED TRANSACTION. INVESTORS AND SECURITY HOLDERS, PRIOR TO MAKING ANY INVESTMENT OR VOTING DECISION, ARE URGED TO READ THE PRELIMINARY REGISTRATION STATEMENT AND PRELIMINARY PROXY STATEMENT/PROSPECTUS (AND ANY OTHER DOCUMENTS FILED WITH THE SEC IN CONNECTION WITH THE MERGER OR INCORPORATED BY REFERENCE INTO THE PRELIMINARY PROXY STATEMENT/PROSPECTUS) AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS AND THE DEFINITIVE VERSIONS THEREOF (WHEN THEY BECOME AVAILABLE) BECAUSE SUCH DOCUMENTS CONTAIN AND WILL CONTAIN IMPORTANT INFORMATION REGARDING THE MERGER.

Investors and security holders may obtain free copies of these documents, including the preliminary proxy statement of HomeStreet and the preliminary prospectus of FirstSun, and other documents filed with the SEC on its website at www.sec.gov. Investors and security holders may also obtain free copies of the documents filed with the SEC from (i) FirstSun on its website at https://ir.firstsuncb.com/investor-relations/default.aspx, and (ii) HomeStreet on its website at https://ir.homestreet.com/sec-filings/all-filings/default.aspx.

This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction.

PARTICIPANTS IN THE SOLICITATION

FirstSun, HomeStreet and certain of their directors and executive officers may be deemed participants in the solicitation of proxies from shareholders of HomeStreet in connection with the proposed Merger. Information regarding the directors and executive officers of FirstSun and HomeStreet and other persons who may be deemed participants in the solicitation of the shareholders of HomeStreet in connection with the proposed Merger are included in the preliminary proxy statement/prospectus for HomeStreet’s shareholder meeting, which was filed by FirstSun with the SEC on March 8, 2024. Information about the directors and officers of FirstSun and their ownership of FirstSun’s common stock can be found in FirstSun’s annual report on Form 10-K, as filed with the SEC on March 7, 2024, and other documents subsequently filed by FirstSun with the SEC. Information about the directors and officers of HomeStreet and their ownership of HomeStreet’s common stock can be found in HomeStreet’s preliminary proxy statement included in the preliminary registration statement on Form S-4, as filed by FirstSun with the SEC on March 8, 2024, HomeStreet’s annual report on Form 10-K, as filed by HomeStreet with the SEC on March 6, 2024, as amended by HomeStreet’s annual report on Form 10-K/A, as filed by HomeStreet with the SEC on April 29, 2024, and other documents subsequently filed by HomeStreet with the SEC. Additional information regarding the interests of such participants is included in the preliminary proxy statement/prospectus and other relevant documents regarding the proposed Merger filed with the SEC when they become available.

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 30, 2024



HomeStreet, Inc.

By:						/s/ John M. Michel
						John M. Michel
						Executive Vice President and Chief Financial Officer

EX-99.1 2 a1q2024earningsrelease.htm Q1 2024 EARNINGS RELEASE Document

HomeStreet Reports First Quarter 2024 Results

SEATTLE –April 30, 2024 – (BUSINESS WIRE) – HomeStreet, Inc. (Nasdaq: HMST) (including its consolidated subsidiaries, the "Company", "HomeStreet" or "we"), the parent company of HomeStreet Bank, today announced the financial results for the quarter ended March 31, 2024. As we present non-GAAP measures in this release, the reader should refer to the non-GAAP reconciliations set forth below under the section “Non-GAAP Financial Measures.”


Operating Results						First quarter 2024 compared to fourth quarter 2023 Reported Results: •Net loss: $7.5 million compared to $3.4 million •Loss per fully diluted share: $0.40 compared to $0.18 •Net interest margin: 1.44% compared to 1.59%
						Core Results (1): •Loss: $5.5 million compared to $2.2 million •Loss per fully diluted share: $0.29 compared to $0.12

(1) Core loss and core loss per fully diluted share are non-GAAP measures. For a reconciliation of these measures to the nearest comparable GAAP measure see "Non-GAAP financial measures" in this earnings release.

“In the first quarter, we recognized a net loss of $7.5 million as our net interest margin decreased to 1.44% due to increased funding costs as lower cost deposits continued to migrate to higher yielding products,” said Mark Mason, Chairman of the Board, President, and Chief Executive Officer. "During the first quarter, our noninterest expenses include the impacts of seasonally higher employee benefit costs, the impact of wage increases effective in March, lower levels of full time equivalent employees and $2.6 million of costs incurred related to the merger process. While interest rates have stabilized and are projected to decline later in the year, we expect our operating results will continue to be adversely impacted by high funding costs relative to earning assets yields in the near term."




Financial Position						As of and for the quarter ended March 31, 2024 •Noninterest-bearing deposits increased by $5 million •Excluding brokered deposits, total deposits increased by $25 million •Uninsured deposits were $494 million, or 8% of total deposits •Loans held for investment ("LHFI"), remained stable •Nonperforming assets to total assets: 0.56% •Allowance for credit losses to LHFI: 0.54% •Book value per share: $27.96 •Tangible book value per share: $27.49 (2)

(2) Tangible book value per share is a non-GAAP measure. For a reconciliation of this measure to the nearest comparable GAAP measure see "Non-GAAP financial measures" in this earnings release.

"Our deposit balances, excluding brokered deposits, were stable during the first quarter, and our noninterest-bearing balances increased slightly," continued Mark Mason. "While we continue to be impacted by the migration of deposits to higher yielding products, the pace of migration is slowing and the rates paid on higher yielding accounts by competitors have started to decline. We anticipate that if these trends continue, our funding costs will become more stable."

"Our loan balances have remained stable as they continue to be impacted by historically low levels of prepayments. We continue to focus on variable rate loan products with appropriate margins over incremental funding costs," added Mark Mason. " In the first quarter our nonaccrual loans and nonperforming assets increased due to the downgrade of a $10.4 million construction-bridge loan to nonperforming status. The completion and leasing of this 27% loan to value multifamily and mixed-use project has been delayed. The project is substantially complete but unable to lease as there is a dispute over an alleged minor building code violation. Our credit quality, however, remains strong and we have not identified any potentially significant credit issues in our loan portfolio."

About HomeStreet

HomeStreet, Inc. (Nasdaq: HMST) is a diversified financial services company headquartered in Seattle, Washington, serving consumers and businesses in the Western United States and Hawaii. The Company is principally engaged in real estate lending, including mortgage banking activities, and commercial and consumer banking. Its principal subsidiary is HomeStreet Bank. HomeStreet Bank is the winner of the 2022 "Best Small Bank" in Washington Newsweek magazine award. Certain information about our business can be found on our investor relations web site, located at http://ir.homestreet.com. HomeStreet Bank is a member of the FDIC and is an Equal Housing Lender.


Contact:						Executive Vice President and Chief Financial Officer
						HomeStreet, Inc.
						John Michel (206) 515-2291
						john.michel@homestreet.com
						http://ir.homestreet.com

HomeStreet, Inc. and Subsidiaries

Summary Financial Data


	For the Quarter Ended
(in thousands, except per share data and FTE data)	March 31, 2024			December 31, 2023			September 30, 2023			June 30, 2023			March 31, 2023

Select Income Statement Data:
Net interest income	$	32,151		$	34,989		$	38,912		$	43,476		$	49,376
Provision for credit losses	—			445			(1,110)			(369)			593
Noninterest income	9,454			10,956			10,464			10,311			10,190
Noninterest expense	52,164			49,511			49,089			90,781			52,491

Income (loss) before income taxes	(10,559)			(4,011)			1,397			(36,625)			6,482
Net income (loss)	(7,497)			(3,419)			2,295			(31,442)			5,058
Net income (loss) per fully diluted share	(0.40)			(0.18)			0.12			(1.67)			0.27
Core net income (loss): (1)
Total	(5,469)			(2,249)			2,295			3,180			5,058
Core net income (loss) per fully diluted share	(0.29)			(0.12)			0.12			0.17			0.27

Select Performance Ratios:
Return on average equity - annualized	(5.6)		%	(2.6)		%	1.7		%	(21.7)		%	3.5		%

Return on average tangible equity - annualized (1)	(3.8)		%	(1.3)		%	2.2		%	2.9		%	4.1		%
Return on average assets - annualized
Net income (loss)	(0.32)		%	(0.15)		%	0.10		%	(1.32)		%	0.22		%
Core (1)	(0.23)		%	(0.10)		%	0.10		%	0.13		%	0.22		%
Efficiency ratio (1)	118.0		%	105.9		%	98.3		%	93.7		%	87.2		%
Net interest margin	1.44		%	1.59		%	1.74		%	1.93		%	2.23		%

Other data:
Full-time equivalent employees ("FTE")	858			875			901			910			920

(1)Core net income (loss), core net income (loss) per fully diluted share, return on average tangible equity, core return on average assets and the efficiency ratio are non-GAAP financial measures. For a reconciliation of these measures to the nearest comparable GAAP financial measure or the computation of the measure see “Non-GAAP Financial Measures” in this earnings release.

HomeStreet, Inc. and Subsidiaries

Summary Financial Data (continued)


	As of
(in thousands, except share and per share data)	March 31, 2024			December 31, 2023			September 30, 2023			June 30, 2023			March 31, 2023

Select Balance Sheet Data:
Loans held for sale	$	21,102		$	19,637		$	33,879		$	31,873		$	24,253
Loans held for investment, net	7,405,052			7,382,404			7,400,501			7,395,151			7,444,882
Allowance for credit losses ("ACL")	39,677			40,500			40,000			41,500			41,500
Investment securities	1,191,108			1,278,268			1,294,634			1,397,051			1,477,004
Total assets	9,455,182			9,392,450			9,458,751			9,501,475			9,858,889
Deposits	6,491,102			6,763,378			6,745,551			6,670,033			7,056,603
Borrowings	2,094,000			1,745,000			1,873,000			1,972,000			1,878,000
Long-term debt	224,857			224,766			224,671			224,583			224,492
Total shareholders' equity	527,333			538,387			502,487			527,623			574,994
Other Data:
Book value per share	$	27.96		$	28.62		$	26.74		$	28.10		$	30.64
Tangible book value per share (1)	$	27.49		$	28.11		$	26.18		$	27.50		$	27.87
Total equity to total assets	5.6		%	5.7		%	5.3		%	5.6		%	5.8		%
Tangible common equity to tangible assets (1)	5.5		%	5.6		%	5.2		%	5.4		%	5.3		%
Shares outstanding at end of period	18,857,566			18,810,055			18,794,030			18,776,597			18,767,811
Loans to deposit ratio (Bank)	114.3		%	109.4		%	110.0		%	111.3		%	105.9		%
Credit Quality:
ACL to total loans (2)	0.54		%	0.55		%	0.55		%	0.57		%	0.56		%
ACL to nonaccrual loans	80.2		%	103.9		%	103.2		%	104.3		%	318.1		%
Nonaccrual loans to total loans	0.66		%	0.53		%	0.52		%	0.54		%	0.17		%
Nonperforming assets to total assets	0.56		%	0.45		%	0.42		%	0.44		%	0.15		%
Nonperforming assets	$	52,584		$	42,643		$	39,749		$	41,469		$	14,886
Regulatory Capital Ratios:
Bank
Tier 1 leverage	8.34		%	8.50		%	8.49		%	8.43		%	8.47		%
Total risk-based capital	13.34		%	13.49		%	13.32		%	12.95		%	11.91		%
Common equity Tier 1 capital	12.67		%	12.79		%	12.64		%	12.27		%	11.28		%
Company
Tier 1 leverage	6.90		%	7.04		%	7.01		%	6.93		%	6.92		%
Total risk-based capital	12.70		%	12.84		%	12.62		%	12.16		%	11.16		%
Common equity Tier 1 capital	9.55		%	9.66		%	9.52		%	9.14		%	8.36		%

(1)Tangible book value per share and tangible common equity to tangible assets are non-GAAP financial measures. For a reconciliation to the nearest comparable GAAP financial measure, see “Non-GAAP Financial Measures” in this earnings release.

(2)This ratio excludes balances insured by the FHA or guaranteed by the VA or SBA.

HomeStreet, Inc. and Subsidiaries

Consolidated Balance Sheets


(in thousands, except share data)	March 31, 2024		December 31, 2023

ASSETS
Cash and cash equivalents	$	320,327	$	215,664

Investment securities	1,191,108		1,278,268
Loans held for sale	21,102		19,637
Loans held for investment ("LHFI") (net of allowance for credit losses of $39,677 and $40,500)	7,405,052		7,382,404
Mortgage servicing rights	102,919		104,236
Premises and equipment, net	56,171		53,582
Other real estate owned	3,117		3,667
Intangible assets	9,016		9,641
Other assets	346,370		325,351
Total assets	$	9,455,182	$	9,392,450
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities:
Deposits	$	6,491,102	$	6,763,378
Borrowings	2,094,000		1,745,000
Long-term debt	224,857		224,766
Accounts payable and other liabilities	117,890		120,919
Total liabilities	8,927,849		8,854,063
Shareholders' equity:
Common stock, no par value; 160,000,000 shares authorized
18,857,566 and 18,810,055 shares issued and outstanding	230,814		229,889
Retained earnings	387,860		395,357
Accumulated other comprehensive income (loss)	(91,341)		(86,859)
Total shareholders' equity	527,333		538,387
Total liabilities and shareholders' equity	$	9,455,182	$	9,392,450

HomeStreet, Inc. and Subsidiaries

Consolidated Income Statements


	Quarter Ended March 31,
(in thousands, except share and per share data)	2024		2023
Interest income:
Loans	$	86,256	$	82,538
Investment securities	10,714		12,763
Cash, Fed Funds and other	5,571		1,750
Total interest income	102,541		97,051
Interest expense:
Deposits	42,607		29,370
Borrowings	27,783		18,305
Total interest expense	70,390		47,675
Net interest income	32,151		49,376
Provision for credit losses	—		593
Net interest income after provision for credit losses	32,151		48,783
Noninterest income:
Net gain on loan origination and sale activities	2,306		2,410
Loan servicing income	3,032		3,039
Deposit fees	2,241		2,658
Other	1,875		2,083
Total noninterest income	9,454		10,190
Noninterest expense:
Compensation and benefits	28,011		29,253
Information services	7,342		7,145
Occupancy	5,434		5,738
General, administrative and other	11,377		10,355

Total noninterest expense	52,164		52,491
Income (loss) before income taxes	(10,559)		6,482
Income tax (benefit) expense	(3,062)		1,424
Net income (loss)	$	(7,497)	$	5,058

Net income (loss) per share:
Basic	$	(0.40)	$	0.27
Diluted	$	(0.40)	$	0.27
Weighted average shares outstanding:
Basic	18,856,870		18,755,453
Diluted	18,856,870		18,771,899

HomeStreet, Inc. and Subsidiaries

Five Quarter Consolidated Income Statements





	Quarter Ended
(in thousands, except share and per share data)	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023
Interest income:
Loans	$	86,256	$	87,005	$	85,899	$	85,813	$	82,538
Investment securities	10,714		11,671		12,309		12,872		12,763
Cash, Fed Funds and other	5,571		2,603		2,498		2,022		1,750
Total interest income	102,541		101,279		100,706		100,707		97,051
Interest expense:
Deposits	42,607		39,317		33,840		35,393		29,370
Borrowings	27,783		26,973		27,954		21,838		18,305
Total interest expense	70,390		66,290		61,794		57,231		47,675
Net interest income	32,151		34,989		38,912		43,476		49,376
Provision for credit losses	—		445		(1,110)		(369)		593
Net interest income after provision for credit losses	32,151		34,544		40,022		43,845		48,783
Noninterest income:
Net gain on loan origination and sale activities	2,306		2,108		2,372		2,456		2,410
Loan servicing income	3,032		3,258		3,092		3,259		3,039
Deposit fees	2,241		2,331		2,455		2,704		2,658
Other	1,875		3,259		2,545		1,892		2,083
Total noninterest income	9,454		10,956		10,464		10,311		10,190
Noninterest expense:
Compensation and benefits	28,011		27,033		27,002		27,776		29,253
Information services	7,342		7,694		7,579		7,483		7,145
Occupancy	5,434		5,407		5,306		5,790		5,738
General, administrative and other	11,377		9,377		9,202		9,875		10,355
Goodwill impairment	—		—		—		39,857		—
Total noninterest expense	52,164		49,511		49,089		90,781		52,491
Income (loss) before income taxes	(10,559)		(4,011)		1,397		(36,625)		6,482
Income tax (benefit) expense	(3,062)		(592)		(898)		(5,183)		1,424
Net income (loss)	$	(7,497)	$	(3,419)	$	2,295	$	(31,442)	$	5,058

Net income (loss) per share:
Basic	$	(0.40)	$	(0.18)	$	0.12	$	(1.67)	$	0.27
Diluted	$	(0.40)	$	(0.18)	$	0.12	$	(1.67)	$	0.27
Weighted average shares outstanding:
Basic	18,856,870		18,807,965		18,792,893		18,775,022		18,755,453
Diluted	18,856,870		18,807,965		18,792,893		18,775,022		18,771,899

HomeStreet, Inc. and Subsidiaries

Average Balances, Yields (Taxable-equivalent basis) and Rates


(in thousands, except yield/rate)	Quarter Ended
Average Balances:	March 31, 2024			December 31, 2023			September 30, 2023			June 30, 2023			March 31, 2023
Investment securities	$	1,239,093		$	1,278,344		$	1,356,410		$	1,444,819		$	1,452,137
Loans	7,460,650			7,465,375			7,461,220			7,499,800			7,471,456
Total interest earning assets	9,088,205			8,923,338			9,007,360			9,109,807			9,050,484
Total assets	9,502,189			9,351,866			9,433,648			9,562,817			9,530,705
Deposits: Interest-bearing	5,232,637			5,187,242			5,092,025			5,584,825			5,701,701
Deposits: Noninterest-bearing	1,319,309			1,343,043			1,430,834			1,437,133			1,511,437
Borrowings	2,074,527			1,975,536			2,051,584			1,630,102			1,342,347
Long-term debt	224,812			224,722			224,614			224,523			224,435
Total interest-bearing liabilities	7,531,976			7,387,500			7,368,223			7,439,450			7,268,483

Average Yield/Rate:
Investment securities	3.75		%	3.94		%	3.90		%	3.82		%	3.78		%
Loans	4.60		%	4.60		%	4.54		%	4.56		%	4.44		%
Total interest earning assets	4.54		%	4.52		%	4.46		%	4.45		%	4.35		%
Deposits: Interest-bearing	3.27		%	3.00		%	2.63		%	2.54		%	2.09		%
Total deposits	2.61		%	2.39		%	2.06		%	2.02		%	1.65		%
Borrowings	4.73		%	4.74		%	4.81		%	4.62		%	4.57		%
Long-term debt	5.51		%	5.52		%	5.49		%	5.34		%	5.28		%
Total interest-bearing liabilities	3.74		%	3.55		%	3.33		%	3.08		%	2.64		%
Net interest rate spread	0.80		%	0.98		%	1.13		%	1.37		%	1.71		%
Net interest margin	1.44		%	1.59		%	1.74		%	1.93		%	2.23		%

Results of Operations

First Quarter of 2024 Compared to the Fourth Quarter of 2023

Non-core amounts: For the first quarter of 2024 and fourth quarter of 2023 non-core items include $2.6 million and $1.5 million of merger related expenses, respectively.

Our net loss and loss before income taxes were $(7.5) million and $(10.6) million, respectively, in the first quarter of 2024, as compared to $(3.4) million and $(4.0) million, respectively, in the fourth quarter of 2023. The $6.5 million increase in loss before income taxes was due to lower net interest income, lower noninterest income and an increase in noninterest expense which was partially offset by a lower provision for credit losses.

The income tax benefit realized in the first quarter of 2024 resulted in an effective tax rate of 29.0% as compared to an effective tax rate of 14.8% in the fourth quarter of 2023. Our effective tax rate in the first quarter of 2024 was higher than our statutory rate of 24.6% due to the impact of tax advantaged investments which creates a higher benefit due to our loss. Our effective tax rate of 14.8% in the fourth quarter of 2023 was significantly impacted by the goodwill impairment charge taken in 2023, a portion of which was not deductible for tax purposes, the effect of which was partially offset by benefits of tax advantaged investments.

Our net interest income in the first quarter of 2024 was $2.8 million lower than the fourth quarter of 2023 due to a decrease in our net interest margin from 1.59% to 1.44%. The decrease in our net interest margin was due to a 19 basis point increase in the cost of interest-bearing liabilities which was due primarily to a 22 basis point increase in the cost of deposits. The increase in the rates paid on deposits was due to the migration of noninterest-bearing and lower cost interest-bearing accounts to higher cost certificates of deposit and money market accounts.

There was no provision for credit losses recognized during the first quarter of 2024 as compared to a $0.4 million provision in the fourth quarter of 2023. These low levels of provisions for credit losses reflect the stable balance of our loan portfolio, a minimal level of identified credit issues in our loan portfolio and the lack of significant expected credit issues arising in future periods.

Noninterest income in the first quarter of 2024 decreased from the fourth quarter of 2023 primarily due to higher levels of income realized in the fourth quarter of 2023 from our investments in small business investment companies.

The increase in noninterest expenses in the first quarter of 2024, as compared to the fourth quarter of 2023 was primarily due to seasonally higher compensation costs and a $1.1 million increase in merger related expenses.

First Quarter of 2024 Compared to First Quarter of 2023

Non-core amounts: For the first quarter of 2024, non-core items include $2.6 million of merger related expenses.

Our net income (loss) and income (loss) before income taxes were $(7.5) million and $(10.6) million, respectively, in the first quarter of 2024, as compared to $5.1 million and $6.5 million, respectively, in the first quarter of 2023. Our core net income (loss) and core income (loss) before income taxes in the first quarter of 2024, which excludes the impact of merger related expenses, was $(5.5) million and $(8.0) million, as compared to $5.1 million and $6.5 million, respectively, in the first quarter of 2023. The $14.4 million decrease in core income before taxes was primarily due to lower net interest income, partially offset by a lower provision for credit losses.

The income tax benefit realized in the first quarter of 2024 resulted in an effective tax rate of 29.0% which was higher than our statutory rate of 24.6% due to the impact of tax advantaged investments which creates a higher benefit to our loss. Our effective tax rate in the first quarter of 2023 of 22.0% was lower than the statutory rate due to the benefits of tax advantaged investments.

Net interest income in the first quarter of 2024 decreased $17.2 million as compared to the first quarter of 2023 due primarily to a decrease in our net interest margin. Our net interest margin decreased from 2.23% in the first quarter of 2023 to 1.44% in the first quarter of 2024 due to a 110 basis point increase in the rates paid on interest-bearing liabilities which was partially offset by a 19 basis point increase in the yield on interest earning assets. Yields on interest-earning assets increased as yields on adjustable rate loans increased due to increases in the indexes on which their pricing is based. The increase in the rates paid on our interest-bearing liabilities was due to an increase in the proportion of higher cost borrowings and a decrease in the proportion of noninterest-bearing deposits to the total balance of interest-bearing liabilities and higher deposit costs and higher borrowing costs. The increases in the rates paid on deposits were due to increases in market interest rates over the prior year and the migration of noninterest-bearing and lower cost interest-bearing accounts to higher cost certificates of deposit and money market accounts.

There was no provision for credit losses recognized during the first quarter of 2024 as compared to a $0.6 million provision in the first quarter of 2023. These low levels of provisions for credit losses reflect the stable balance of our loan portfolio, a minimal level of identified credit issues in our loan portfolio and the lack of significant expected credit issues arising in future periods.

The $0.3 million decrease in noninterest expenses in the first quarter of 2024 as compared to the first quarter of 2023 was primarily due to lower compensation and benefit costs, partially offset by higher general, administrative and other costs. The decrease in compensation and benefit costs was primarily due to lower staffing levels, which was partially offset by wage increases given in the first quarter of 2024. FTEs decreased from 920 at the quarter ended March 31, 2023 compared to 858 at the quarter ended March 31, 2024. The increase in general, administrative and other costs was primarily due to $2.6 million in merger related costs.

Financial Position

During the first quarter of 2024, our total assets increased $63 million due primarily to a $105 million increase in cash, partially offset by a decrease in investment securities. During the first quarter of 2024 total liabilities increased $74 million due to an increase in borrowings, partially offset by a decrease in deposits. The $272 million decrease in deposits was primarily due to a $297 million decrease in brokered certificates of deposit. The $349 million of additional borrowings were used to replace maturing brokered deposits and increase our on-balance sheet cash balances.

Loans Held for Investment


(in thousands)	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023

Commercial real estate ("CRE")
Non-owner occupied CRE	$	633,401	$	641,885	$	633,083	$	650,710	$	652,284
Multifamily	3,929,679		3,940,189		3,957,209		3,966,894		3,975,654
Construction/land development	575,152		565,916		566,289		576,432		607,559
Total	5,138,232		5,147,990		5,156,581		5,194,036		5,235,497
Commercial and industrial loans
Owner occupied CRE	381,943		391,285		428,253		434,400		438,147
Commercial business	387,464		359,049		385,148		371,779		392,837
Total	769,407		750,334		813,401		806,179		830,984
Consumer loans
Single family (1)	1,149,940		1,140,279		1,099,644		1,068,229		1,057,579
Home equity and other	387,150		384,301		370,875		368,207		362,322
Total	1,537,090		1,524,580		1,470,519		1,436,436		1,419,901
Total LHFI	7,444,729		7,422,904		7,440,501		7,436,651		7,486,382
Allowance for credit losses ("ACL")	(39,677)		(40,500)		(40,000)		(41,500)		(41,500)
Total LHFI less ACL	$	7,405,052	$	7,382,404	$	7,400,501	$	7,395,151	$	7,444,882

(1)Includes $1.3 million, $1.3 million, $1.2 million, $1.3 million and $5.2 million of single family loans that are carried at fair value at March 31, 2024, December 31, 2023, September 30, 2023, June 30, 2023, and March 31, 2023, respectively.

Loan Roll-forward


(in thousands)	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023

Loans - beginning balance	$	7,422,904	$	7,440,501	$	7,436,651	$	7,486,382	$	7,426,320
Originations and advances	287,568		297,867		329,294		327,949		345,461
Transfers (to) from loans held for sale	(273)		—		466		(2,973)		—
Payoffs, paydowns and other	(264,876)		(312,265)		(325,312)		(374,484)		(284,725)
Charge-offs and transfers to OREO	(594)		(3,199)		(598)		(223)		(674)
Loans - ending balance	$	7,444,729	$	7,422,904	$	7,440,501	$	7,436,651	$	7,486,382

Loan Originations and Advances


(in thousands)	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023 (1)

CRE
Non-owner occupied CRE	$	1,146	$	12,405	$	2,315	$	2,371	$	2,934
Multifamily	489		1,482		44,356		65,635		18,239
Construction/land development	157,453		158,755		155,460		152,907		153,458
Total	159,088		172,642		202,131		220,913		174,631
Commercial and industrial loans
Owner occupied CRE	949		7,883		2,242		8,622		7,133
Commercial business	61,400		21,115		34,255		14,722		57,698
Total	62,349		28,998		36,497		23,344		64,831
Consumer loans
Single family (2)	31,769		62,167		57,483		45,055		67,410
Home equity and other	34,362		34,060		33,183		38,637		38,589
Total	66,131		96,227		90,666		83,692		105,999
Total loan originations and advances	$	287,568	$	297,867	$	329,294	$	327,949	$	345,461

(1) Includes $17.1 million and $3.4 million of consumer loans and commercial and industrial loans, respectively, purchased in our first quarter 2023 branch acquisition.

(2) Includes loans transferred from construction loans to permanent single family loans upon completion of construction of $30.8 million, $57.6 million, $55.1 million, $32.5 million and $46.6 million for the quarters ended March 31, 2024, December 31, 2023, September 30, 2023, June 30, 2023, and March 31, 2023, respectively.

Credit Quality

During the first quarter of 2024, our ratios of nonperforming assets to total assets and total loans delinquent over 30 days, including nonaccrual loans increased but remained at low levels. As of March 31, 2024, our ratio of nonperforming assets to total assets was 0.56%, while our ratio of total loans delinquent over 30 days, including nonaccrual loans, to total loans was 0.82%.

Delinquencies


	Past Due and Still Accruing
(in thousands)	30-59 days			60-89 days			90 days or more (1)			Nonaccrual			Total past due and nonaccrual (2)			Current			Total loans

March 31, 2024
Total loans held for investment	$	5,349		$	2,630		$	3,794		$	49,467		$	61,240		$	7,383,489		$	7,444,729
%	0.07		%	0.04		%	0.05		%	0.66		%	0.82		%	99.18		%	100.00		%

December 31, 2023
Total loans held for investment	$	6,148		$	4,133		$	4,261		$	38,976		$	53,518		$	7,369,386		$	7,422,904
%	0.08		%	0.05		%	0.06		%	0.53		%	0.72		%	99.28		%	100.00		%

(1) FHA-insured and VA-guaranteed single family loans that are 90 days or more past due are maintained on accrual status if they are determined to have little to no risk of loss.

(2) Includes loans whose repayments are insured by the FHA or guaranteed by the VA or SBA of $11.9 million and $12.4 million at March 31, 2024 and December 31, 2023, respectively.

Allowance for Credit Losses (roll-forward)


	Quarter Ended
(in thousands)	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023

Allowance for credit losses
Beginning balance	$	40,500	$	40,000	$	41,500	$	41,500	$	41,500
Provision for credit losses	242		223		(990)		111		589
Recoveries (charge-offs), net	(1,065)		277		(510)		(111)		(589)
Ending balance	$	39,677	$	40,500	$	40,000	$	41,500	$	41,500

Allowance for unfunded commitments:
Beginning balance	$	1,823	$	1,601	$	1,721	$	2,201	$	2,197
Provision for credit losses	(242)		222		(120)		(480)		4
Ending balance	$	1,581	$	1,823	$	1,601	$	1,721	$	2,201

Provision for credit losses:
Allowance for credit losses - loans	$	242	$	223	$	(990)	$	111	$	589
Allowance for unfunded commitments	(242)		222		(120)		(480)		4
Total	$	—	$	445	$	(1,110)	$	(369)	$	593

Allocation of Allowance for Credit Losses by Product Type


	March 31, 2024				December 31, 2023
(in thousands)	Balance		Rate (1)		Balance		Rate (1)

Non-owner occupied CRE	$	2,131	0.34	%	$	2,610	0.41	%
Multifamily	18,947		0.48	%	13,093		0.33	%
Construction/land development
Multifamily construction	1,621		0.84	%	3,983		2.37	%
CRE construction	188		1.02	%	189		1.02	%
Single family construction	5,578		2.00	%	7,365		2.69	%
Single family construction to perm	435		0.51	%	672		0.64	%
Total CRE	28,900		0.56	%	27,912		0.54	%
Owner occupied CRE	836		0.22	%	899		0.23	%
Commercial business	2,646		0.69	%	2,950		0.83	%
Total commercial and industrial	3,482		0.46	%	3,849		0.52	%
Single family	4,273		0.40	%	5,287		0.51	%
Home equity and other	3,022		0.78	%	3,452		0.90	%
Total consumer	7,295		0.51	%	8,739		0.61	%
Total	$	39,677	0.54	%	$	40,500	0.55	%

(1) The ACL rate is calculated excluding balances related to loans that are insured by the FHA or guaranteed by the VA or SBA

Production Volumes for Sale to the Secondary Market


	Quarter Ended
(in thousands)	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023

Loan originations
Single family loans	$	76,528	$	67,330	$	95,917	$	96,750	$	72,814
Commercial and industrial and CRE loans	3,496		7,142		11,863		4,906		6,150
Loans sold
Single family loans	70,379		77,916		101,575		92,787		63,473
Commercial and industrial and CRE loans (1)	8,196		10,619		2,821		4,649		8,750
Net gain on loan origination and sale activities
Single family loans	1,986		1,844		2,267		2,171		2,218
Commercial and industrial and CRE loans (1)	320		264		105		285		192
Total	$	2,306	$	2,108	$	2,372	$	2,456	$	2,410

(1) May include loans originated as held for investment.

Loan Servicing Income


	Quarter Ended
(in thousands)	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023

Single family servicing income, net:
Servicing fees and other	$	3,839	$	3,880	$	3,852	$	3,868	$	3,923
Changes - amortization (1)	(1,428)		(1,504)		(1,564)		(1,626)		(1,684)
Net	2,411		2,376		2,288		2,242		2,239
Risk management, single family MSRs:
Changes in fair value due to assumptions (2)	618		(1,380)		785		1,320		(311)
Net gain (loss) from derivatives hedging (3)	(1,110)		1,089		(1,160)		(1,592)		(81)
Subtotal	(492)		(291)		(375)		(272)		(392)
Single family servicing income	1,919		2,085		1,913		1,970		1,847
Commercial loan servicing income:
Servicing fees and other	2,515		2,588		2,553		2,724		2,746
Amortization of capitalized MSRs	(1,402)		(1,415)		(1,374)		(1,435)		(1,554)
Total	1,113		1,173		1,179		1,289		1,192
Total loan servicing income	$	3,032	$	3,258	$	3,092	$	3,259	$	3,039

(1)Represents changes due to collection/realization of expected cash flows and curtailments.

(2)Principally reflects changes in model assumptions, including prepayment speed assumptions, which are primarily affected by changes in mortgage interest rates.

(3)The interest income from US Treasury notes trading securities used for hedging purposes, which is included in interest income on the consolidated income statements, was $0.3 million, $0.3 million, $0.3 million, $0.5 million and $0.4 million for the quarters ended March 31, 2024, December 31, 2023, September 30, 2023, June 30, 2023 and March 31, 2023, respectively.

Capitalized Mortgage Servicing Rights ("MSRs")


	Quarter Ended
(in thousands)	March 31, 2024			December 31, 2023			September 30, 2023			June 30, 2023			March 31, 2023

Single Family MSRs
Beginning balance	$	74,249		$	76,470		$	76,314		$	75,701		$	76,617
Additions and amortization:
Originations	617			663			935			919			619
Purchases	—			—			—			—			460
Changes - amortization (1)	(1,428)			(1,504)			(1,564)			(1,626)			(1,684)
Net additions and amortization	(811)			(841)			(629)			(707)			(605)
Change in fair value due to assumptions (2)	618			(1,380)			785			1,320			(311)
Ending balance	$	74,056		$	74,249		$	76,470		$	76,314		$	75,701
Ratio to related loans serviced for others	1.40		%	1.40		%	1.43		%	1.42		%	1.40		%

Multifamily and SBA MSRs
Beginning balance	$	29,987		$	31,141		$	32,477		$	33,839		35,256
Originations	278			261			38			73			137
Amortization	(1,402)			(1,415)			(1,374)			(1,435)			(1,554)
Ending balance	$	28,863		$	29,987		$	31,141		$	32,477		$	33,839
Ratio to related loans serviced for others	1.52		%	1.58		%	1.64		%	1.70		%	1.77		%

(1) Represents changes due to collection/realization of expected cash flows and curtailments.

(2) Principally reflects changes in model assumptions, including prepayment speed assumptions, which are primarily affected by changes in mortgage interest rates.

Deposits


(in thousands)	March 31, 2024		December 31, 2023		September 30, 2023		June 30, 2023		March 31, 2023

Deposits by Product:
Noninterest-bearing demand deposits	$	1,311,559	$	1,306,503	$	1,437,057	$	1,410,369	$	1,479,428
Interest-bearing:
Interest-bearing demand deposits	330,301		344,748		352,529		370,747		496,504
Savings	256,383		261,508		284,663		300,007		323,373
Money market	1,536,341		1,622,665		1,723,924		1,863,762		2,097,055
Certificates of deposit:
Brokered deposits	921,103		1,218,008		973,314		760,826		885,314
Other	2,135,415		2,009,946		1,974,064		1,964,322		1,774,929
Total interest-bearing deposits	5,179,543		5,456,875		5,308,494		5,259,664		5,577,175
Total deposits	$	6,491,102	$	6,763,378	$	6,745,551	$	6,670,033	$	7,056,603


Percent of total deposits:
Noninterest-bearing demand deposits	20.2	%	19.3	%	21.3	%	21.1	%	21.0	%
Interest-bearing:
Interest-bearing demand deposits	5.1	%	5.1	%	5.2	%	5.6	%	7.0	%
Savings	3.9	%	3.9	%	4.2	%	4.5	%	4.6	%
Money market	23.7	%	24.0	%	25.6	%	27.9	%	29.7	%
Certificates of deposit
Brokered deposits	14.2	%	18.0	%	14.4	%	11.4	%	12.5	%
Other	32.9	%	29.7	%	29.3	%	29.5	%	25.2	%
Total interest-bearing deposits	79.8	%	80.7	%	78.7	%	78.9	%	79.0	%
Total deposits	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%

HomeStreet, Inc. and Subsidiaries

Non-GAAP Financial Measures

To supplement our unaudited condensed consolidated financial statements presented in accordance with GAAP, we use certain non-GAAP measures of financial performance.

In this earnings release, we use the following non-GAAP measures: (i) tangible common equity and tangible assets as we believe this information is consistent with the treatment by bank regulatory agencies, which exclude intangible assets from the calculation of capital ratios; (ii) core income (loss) and effective tax rate on core income (loss) before taxes, which excludes goodwill impairment charges and merger related expenses and the related tax impact as we believe this measure is a better comparison to be used for projecting future results and (iii) an efficiency ratio which is the ratio of noninterest expense to the sum of net interest income and noninterest income, excluding certain items of income or expense and excluding taxes incurred and payable to the state of Washington as such taxes are not classified as income taxes and we believe including them in noninterest expense impacts the comparability of our results to those companies whose operations are in states where assessed taxes on business are classified as income taxes.

These supplemental performance measures may vary from, and may not be comparable to, similarly titled measures provided by other companies in our industry. Non-GAAP financial measures are not in accordance with, or an alternative for, GAAP. Generally, a non-GAAP financial measure is a numerical measure of a company’s performance that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with GAAP. A non-GAAP financial measure may also be a financial metric that is not required by GAAP or other applicable requirements.

We believe that these non-GAAP financial measures, when taken together with the corresponding GAAP financial measures, provide meaningful supplemental information regarding our performance by providing additional information used by management that is not otherwise required by GAAP or other applicable requirements. Our management uses, and believes that investors benefit from referring to, these non-GAAP financial measures in assessing our operating results and when planning, forecasting and analyzing future periods. These non-GAAP financial measures also facilitate a comparison of our performance to prior periods. We believe these measures are frequently used by securities analysts, investors and other parties in the evaluation of companies in our industry. These non-GAAP financial measures should be considered in addition to, not as a substitute for or superior to, financial measures prepared in accordance with GAAP. In the information below, we have provided reconciliations of, where applicable, the most comparable GAAP financial measures to the non-GAAP measures used in this earnings release, or the computation of the non-GAAP financial measure.

HomeStreet, Inc. and Subsidiaries

Non-GAAP Financial Measures

Reconciliations of non-GAAP results of operations to the nearest comparable GAAP measures or calculations of the non-GAAP measure:


	As of or for the Quarter Ended
(in thousands, except share and per share data)	March 31, 2024			December 31, 2023			September 30, 2023			June 30, 2023			March 31, 2023

Core net income (loss)
Net income (loss)	$	(7,497)		$	(3,419)		$	2,295		$	(31,442)		$	5,058
Adjustments (tax effected)
Merger related expenses	2,028			1,170			—			—			—
Goodwill impairment charge	—			—			—			34,622			—
Total	$	(5,469)		$	(2,249)		$	2,295		$	3,180		$	5,058

Core net income (loss) per fully diluted share
Fully diluted shares	18,856,870			18,807,965			18,792,893			18,775,022			18,771,899

Computed amount	$	(0.29)		$	(0.12)		$	0.12		$	0.17		$	0.27

Return on average tangible equity (annualized)
Average shareholders' equity	$	537,627		$	513,758		$	535,369		$	582,172		$	578,533
Less: Average goodwill and other intangibles	(9,403)			(10,149)			(10,917)			(51,138)			(30,969)
Average tangible equity	$	528,224		$	503,609		$	524,452		$	531,034		$	547,564











Core net income (loss) (per above)	(5,469)			(2,249)			2,295			3,180			5,058
Adjustments (tax effected)
Amortization of core deposit intangibles	488			615			614			614			459
Tangible income (loss) applicable to shareholders	$	(4,981)		$	(1,634)		$	2,909		$	3,794		$	5,517

Ratio	(3.8)		%	(1.3)		%	2.2		%	2.9		%	4.1		%

Efficiency ratio
Noninterest expense
Total	$	52,164		$	49,511		$	49,089		$	90,781		$	52,491
Adjustments:
Merger related expenses	(2,600)			(1,500)			—			—			—
Goodwill impairment charge	—			—			—			(39,857)			—
State of Washington taxes	(452)			659			(572)			(526)			(555)
Adjusted total	$	49,112		$	48,670		$	48,517		$	50,398		$	51,936

Total revenues
Net interest income	$	32,151		$	34,989		$	38,912		$	43,476		$	49,376
Noninterest income	9,454			10,956			10,464			10,311			10,190

Adjusted total	$	41,605		$	45,945		$	49,376		$	53,787		$	59,566

Ratio	118.0		%	105.9		%	98.3		%	93.7		%	87.2		%


	As of or for the Quarter Ended
(in thousands, except share and per share data)	March 31, 2024			December 31, 2023			September 30, 2023			June 30, 2023			March 31, 2023

Return on average assets (annualized) - Core
Average Assets	$	9,502,189		$	9,351,866		$	9,433,648		$	9,562,817		$	9,530,705
Core net income (loss) (per above)	(5,469)			(2,249)			2,295			3,180			5,058

Ratio	(0.23)		%	(0.10)		%	0.10		%	0.13		%	0.22		%






Effective tax rate used in computations above (1)	22.0		%	22.0		%	22.0		%	22.0		%	22.0		%

Tangible book value per share
Shareholders' equity	$	527,333		$	538,387		$	502,487		$	527,623		$	574,994
Less: Goodwill and other intangibles	(9,016)			(9,641)			(10,429)			(11,217)			(51,862)
Tangible shareholders' equity	$	518,317		$	528,746		$	492,058		$	516,406		$	523,132

Common shares outstanding	18,857,566			18,810,055			18,794,030			18,776,597			18,767,811

Computed amount	$	27.49		$	28.11		$	26.18		$	27.50		$	27.87

Tangible common equity to tangible assets
Tangible shareholders' equity (per above)	$	518,317		$	528,746		$	492,058		$	516,406		$	523,132
Tangible assets
Total assets	$	9,455,182		$	9,392,450		$	9,458,751		$	9,501,475		$	9,858,889
Less: Goodwill and other intangibles (per above)	(9,016)			(9,641)			(10,429)			(11,217)			(51,862)
Net	$	9,446,166		$	9,382,809		$	9,448,322		$	9,490,258		$	9,807,027

Ratio	5.5		%	5.6		%	5.2		%	5.4		%	5.3		%

(1) ) Effective tax rate indicated is used for all adjustments except the goodwill impairment charge as a portion of this charge was not deductible for tax purposes. Instead, a computed effective rate of 13.1% was used for the goodwill impairment charge.

Forward-Looking Statements

This earnings release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Reform Act”). Generally, forward-looking statements include the words “anticipate,” “believe,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “goal,” “upcoming,” “outlook,” “guidance” or "project" or the negation thereof, or similar expressions. In addition, all statements in this earnings release (including but not limited to those found in the quotes of our Chief Executive Officer) that address and/or include beliefs, assumptions, estimates, projections and expectations of our future performance and financial condition and trends in product mixes and expected impact on costs are forward-looking statements within the meaning of the Reform Act. Forward-looking statements involve inherent risks, uncertainties and other factors, many of which are difficult to predict and are generally beyond management’s control. Forward-looking statements are based on the Company’s expectations at the time such statements are made and speak only as of the date made. The Company does not assume any obligation or undertake to update any forward-looking statements after the date of this release as a result of new information, future events or developments, except as required by federal securities or other applicable laws, although the Company may do so from time to time. The Company does not endorse any projections regarding future performance that may be made by third parties. For all forward-looking statements, the Company claims the protection of the safe harbor for forward-looking statements contained in the Reform Act.

We caution readers that actual results may differ materially from those expressed in or implied by the Company’s forward-looking statements. Rather, more important factors could affect the Company’s future results, including but not limited to the following: (1) our ability to successfully consummate the pending merger (the "Merger") with FirstSun Capital Bancorp ("FirstSun"), (2) the ability of HomeStreet to obtain the necessary approval by shareholders with respect to the Merger, (3) the ability of HomeStreet and FirstSun to obtain required governmental approvals of the Merger, (4) the failure to satisfy the closing conditions in the definitive Agreement and Plan of Merger (the “Merger Agreement”), dated as of January 16, 2024, by and between HomeStreet and FirstSun, or any unexpected delay in closing the Merger, (5) the ability to achieve expected cost savings, synergies and other financial benefits from the Merger within the expected time frames and costs or difficulties relating to integration matters being greater than expected, (6) the diversion of management time from core banking functions due to Merger-related issues; (7) potential difficulty in maintaining relationships with customers, associates or business partners as a result of the announced Merger, (8) changes in the U.S. and global economies, including business disruptions, reductions in employment, inflationary pressures and an increase in business failures, specifically among our customers; (9) changes in the interest rate environment may reduce interest margins; (10) changes in deposit flows, loan demand or real estate values may adversely affect the business of our primary subsidiary, HomeStreet Bank (the “Bank”), through which substantially all of our operations are carried out; (11) there may be increases in competitive pressure among financial institutions or from non-financial institutions; (12) our ability to attract and retain key members of our senior management team; (13) the timing and occurrence or non-occurrence of events may be subject to circumstances beyond our control; (14) our ability to control operating costs and expenses; (15) our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses; (16) the adequacy of our allowance for credit losses; (17) changes in accounting principles, policies or guidelines may cause our financial condition to be perceived or interpreted differently; (18) legislative or regulatory changes that may adversely affect our business or financial condition, including, without limitation, changes in corporate and/or individual income tax laws and policies, changes in privacy laws, and changes in regulatory capital or other rules, and the availability of resources to address or respond to such changes; (19) general economic conditions, either nationally or locally in some or all areas in which we conduct business, or conditions in the securities markets or banking industry, may be less favorable than what we currently anticipate; (20) challenges our customers may face in meeting current underwriting standards may adversely impact all or a substantial portion of the value of our rate-lock loan activity we recognize; (21) technological changes may be more difficult or expensive than what we anticipate; (22) a failure in or breach of our operational or security systems or information technology infrastructure, or those of our third-party providers and vendors, including due to cyber-attacks; (23) success or consummation of new business initiatives may be more difficult or expensive than what we anticipate; (24) our ability to grow efficiently both organically and through acquisitions and to manage our growth and integration costs; (25) staffing fluctuations in response to product demand or the implementation of corporate strategies that affect our work force and potential associated charges; (26) litigation, investigations or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of

events longer than what we anticipate; and (27) our ability to obtain regulatory approvals or non-objection to take various capital actions, including the payment of dividends by us or the Bank, or repurchases of our common stock. A discussion of the factors, risks and uncertainties that could affect our financial results, business goals and operational and financial objectives cited in this release, other releases, public statements and/or filings with the Securities and Exchange Commission (“SEC”) is also contained in the “Risk Factors” sections of the Company's Forms 10-K and 10-Q. We strongly recommend readers review those disclosures in conjunction with the discussions herein.

All future written and oral forward-looking statements attributable to the Company or any person acting on its behalf are expressly qualified in their entirety by the cautionary statements contained or referred to above. New risks and uncertainties arise from time to time, and factors that the Company currently deems immaterial may become material, and it is impossible for the Company to predict these events or how they may affect the Company.

Subsequent Event

As announced and further described in a separate press release jointly issued by HomeStreet and FirstSun Capital Bancorp (“FirstSun”) today, HomeStreet and FirstSun have entered into an amendment to their merger agreement.

EX-99.2 3 a992q12024earningsreleases.htm Q1 2024 SUMMARY EARNINGS RELEASE Document

HomeStreet Reports First Quarter 2024 Results


Operating Results						First quarter 2024 compared to fourth quarter 2023 Reported Results: •Net loss: $7.5 million compared to $3.4 million •Loss per fully diluted share: $0.40 compared to $0.18 •Net interest margin: 1.44% compared to 1.59%
						Core Results (1): •Loss: $5.5 million compared to $2.2 million •Loss per fully diluted share: $0.29 compared to $0.12




Financial Position						As of and for the quarter ended March 31, 2024 •Noninterest-bearing deposits increased by $5 million •Excluding brokered deposits, total deposits increased by $25 million •Uninsured deposits were $494 million, or 8% of total deposits •Loans held for investment ("LHFI"), remained stable •Nonperforming assets to total assets: 0.56% •Allowance for credit losses to LHFI: 0.54% •Book value per share: $27.96 •Tangible book value per share: $27.49 (2)

(2) Tangible book value per share is a non-GAAP measure. For a reconciliation of this measure to the nearest comparable GAAP measure see "Non-GAAP financial measures" in this earnings release.

by competitors have started to decline. We anticipate that if these trends continue, our funding costs will become more stable."

About HomeStreet


Contact:						Executive Vice President and Chief Financial Officer
						HomeStreet, Inc.
						John Michel (206) 515-2291
						john.michel@homestreet.com
						http://ir.homestreet.com

Forward-Looking Statements

demand or the implementation of corporate strategies that affect our work force and potential associated charges; (26) litigation, investigations or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than what we anticipate; and (27) our ability to obtain regulatory approvals or non-objection to take various capital actions, including the payment of dividends by us or the Bank, or repurchases of our common stock. A discussion of the factors, risks and uncertainties that could affect our financial results, business goals and operational and financial objectives cited in this release, other releases, public statements and/or filings with the Securities and Exchange Commission (“SEC”) is also contained in the “Risk Factors” sections of the Company's Forms 10-K and 10-Q. We strongly recommend readers review those disclosures in conjunction with the discussions herein.

HomeStreet, Inc. and Subsidiaries

Non-GAAP Financial Measures

To supplement our unaudited condensed consolidated financial statements presented in accordance with GAAP, we use certain non-GAAP measures of financial performance.

HomeStreet, Inc. and Subsidiaries

Non-GAAP Financial Measures

Reconciliations of non-GAAP results of operations to the nearest comparable GAAP measures or calculations of the non-GAAP measure:


	As of or for the Quarter Ended
(in thousands, except share and per share data)	March 31, 2024			December 31, 2023

Core net income (loss)
Net income (loss)	$	(7,497)		$	(3,419)
Adjustments (tax effected)
Merger related expenses	2,028			1,170

Total	$	(5,469)		$	(2,249)
Core net income (loss) per fully diluted share
Fully diluted shares	18,856,870			18,807,965
Computed amount	$	(0.29)		$	(0.12)

Return on average tangible equity (annualized)
Average shareholders' equity	$	537,627		$	513,758
Less: Average goodwill and other intangibles	(9,403)			(10,149)
Average tangible equity	$	528,224		$	503,609

Core net income (loss) (per above)	$	(5,469)		$	(2,249)
Adjustments (tax effected)
Amortization of core deposit intangibles	488			615
Tangible income (loss) applicable to shareholders	$	(4,981)		$	(1,634)

Ratio	(3.8)		%	(1.3)		%

Efficiency ratio
Noninterest expense
Total	$	52,164		$	49,511
Adjustments:
Merger related expenses	(2,600)			(1,500)

State of Washington taxes	(452)			659
Adjusted total	$	49,112		$	48,670

Total revenues
Net interest income	$	32,151		$	34,989
Noninterest income	9,454			10,956

Adjusted total	$	41,605		$	45,945
Ratio	118.0		%	105.9		%

Return on average assets (annualized) - Core
Average Assets	$	9,502,189		$	9,351,866
Core net income (loss) (per above)	(5,469)			(2,249)
Ratio	(0.23)		%	(0.10)		%

Tangible book value per share
Shareholders' equity	$	527,333		$	538,387
Less: Goodwill and other intangibles	(9,016)			(9,641)
Tangible shareholders' equity	$	518,317		$	528,746
Common shares outstanding	18,857,566			18,810,055
Computed amount	$	27.49		$	28.11

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Cover Cover

Apr. 30, 2024

Cover [Abstract]

Document Type 8-K

Document Period End Date Apr. 30, 2024

Entity Registrant Name HOMESTREET, INC.

Entity Incorporation, State or Country Code WA

Entity File Number 001-35424

Entity Tax Identification Number 91-0186600

Entity Address, Address Line One 601 Union Street

Entity Address, Address Line Two Ste. 2000

Entity Address, City or Town Seattle

Entity Address, State or Province WA

Entity Address, Postal Zip Code 98101

City Area Code 206

Local Phone Number 623-3050

Written Communications true

Soliciting Material false

Pre-commencement Tender Offer false

Pre-commencement Issuer Tender Offer false

Title of 12(b) Security Common Stock, No Par Value

Trading Symbol HMST

Security Exchange Name NASDAQ

Entity Emerging Growth Company false

Entity Central Index Key 0001518715

Amendment Flag false

Cover Cover	Apr. 30, 2024
Cover [Abstract]
Document Type	8-K
Document Period End Date	Apr. 30, 2024
Entity Registrant Name	HOMESTREET, INC.
Entity Incorporation, State or Country Code	WA
Entity File Number	001-35424
Entity Tax Identification Number	91-0186600
Entity Address, Address Line One	601 Union Street
Entity Address, Address Line Two	Ste. 2000
Entity Address, City or Town	Seattle
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98101
City Area Code	206
Local Phone Number	623-3050
Written Communications	true
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock, No Par Value
Trading Symbol	HMST
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false
Entity Central Index Key	0001518715
Amendment Flag	false

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