0001437749-23-010781.txt : 20230421 0001437749-23-010781.hdr.sgml : 20230421 20230421093050 ACCESSION NUMBER: 0001437749-23-010781 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20230420 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230421 DATE AS OF CHANGE: 20230421 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HMN FINANCIAL INC CENTRAL INDEX KEY: 0000921183 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 411777397 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-24100 FILM NUMBER: 23834837 BUSINESS ADDRESS: STREET 1: 1016 CIVIC CENTER DRIVE NORTHWEST CITY: ROCHESTER STATE: MN ZIP: 55901 BUSINESS PHONE: 5075351200 MAIL ADDRESS: STREET 1: 1016 CIVIC CENTER DRIVE NW CITY: ROCHESTER STATE: MN ZIP: 55901 8-K 1 hmnf20230420_8k.htm FORM 8-K hmnf20230420_8k.htm
false 0000921183 0000921183 2023-04-20 2023-04-20
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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 20, 2023
 
HMN Financial, Inc.
(Exact Name of Registrant as Specified in its Charter)
 
Delaware 
 
0-24100 
 
41-1777397 
(State or other jurisdiction
of incorporation)
  
(Commission
File Number)
  
(IRS Employer
Identification No.)
 
1016 Civic Center Drive Northwest  
Rochester, Minnesota 
 
55901
(Address of principal executive offices)
  
(Zip Code)
 
Registrant's telephone number, including area code (507) 535-1200

______________________________________________________________
(Former name or former address, if changed since last report)
 
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
HMNF
The Nasdaq Stock Market LLC
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
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 13(a) of the Exchange Act. ☐
 
1
 
 
Item 2.02.        Results of Operation and Financial Condition.
 
On April 20, 2023, HMN Financial, Inc. (the “Company”) issued a press release (the “Press Release”) that included financial information for its quarter ended March 31, 2023. A copy of the Press Release is attached as Exhibit 99 to this Form 8-K and incorporated by reference into this Item 2.02. The information included in the Press Release is to be considered furnished under the Securities Exchange Act of 1934, as amended.
 
Item 9.01.        Financial Statements and Exhibits
 
(d) Exhibits
 
  Exhibit Number   Description
  99   Press Release dated April 20, 2023
  104   Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
 
2
 
 
SIGNATURES
 
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.
 
 
 
HMN Financial, Inc.
(Registrant)
       
Date: April 21, 2023   /s/ Jon Eberle  
       
Jon Eberle
Senior Vice President,
Chief Financial Officer and
Treasurer
 
 
3
EX-99 2 ex_504240.htm EXHIBIT 99 ex_504240.htm
 

Exhibit 99

 

logo.jpg   1016 Civic Center Drive NW - Rochester, MN 55901 - Phone (507) 535-1200 - FAX (507) 535-1301

 

 

NEWS RELEASE   CONTACT:

Bradley Krehbiel,

Chief Executive Officer, President

HMN Financial, Inc. (507) 252-7169

FOR IMMEDIATE RELEASE

 

HMN FINANCIAL, INC. ANNOUNCES FIRST QUARTER RESULTS

 

First Quarter Summary

●

Net income of $1.6 million, up $0.1 million, from $1.5 million for first quarter of 2022

●

Diluted earnings per share of $0.37, up $0.03, from $0.34 for first quarter of 2022

●

Net interest income of $8.1 million, up $0.8 million from $7.3 million for first quarter of 2022

●

Gain on sales of loans of $0.3 million, down $0.6 million, from $0.9 million for first quarter of 2022

●

Net interest margin of 3.09%, up 15 basis points, from 2.94% for first quarter of 2022

●

No provision for credit losses, down $0.3 million, from $0.3 million for first quarter of 2022

 

Net Income Summary

  

Three Months Ended

March 31,

  

(Dollars in thousands, except per share amounts)

  

2023

    

2022

  

Net income

   $ 1,634       1,487  

Diluted earnings per share

     0.37       0.34  

Return on average assets (annualized)

     0.61

%

     0.58

%

Return on average equity (annualized)

     5.64

%

     5.36

%

Book value per share

   $ 22.35       22.16  

 

ROCHESTER, MINNESOTA, April 20, 2023 - HMN Financial, Inc. (HMN or the Company) (Nasdaq:HMNF), the $1.1 billion holding company for Home Federal Savings Bank (the Bank), today reported net income of $1.6 million for the first quarter of 2023, an increase of $0.1 million compared to net income of $1.5 million for the first quarter of 2022. Diluted earnings per share for the first quarter of 2023 was $0.37, an increase of $0.03 from diluted earnings per share of $0.34 for the first quarter of 2022. The increase in net income between the periods was primarily because of a $0.8 million increase in net interest income due to an increase in interest earning assets and higher yields earned on those assets and a $0.3 million decrease in the provision for credit losses. These increases in net income were partially offset by a $0.6 million decrease in the gain on sales of loans because of a decrease in mortgage loan originations and sales due primarily to an increase in mortgage interest rates between the periods. Total non-interest expenses also increased $0.4 million between the periods primarily because of an increase in compensation and benefits expenses.

 

President’s Statement

“We are pleased to report the growth in our loan portfolio and the related growth in our net interest income during the first quarter despite the slight decline in overall assets,” said Bradley Krehbiel, President and Chief Executive Officer of HMN. “Funding asset growth in the current interest rate environment has become more challenging and future asset growth in the short term may be limited. Despite these challenges, we will continue to focus our efforts on expanding our core customer deposit relationships.”

 

Page 1 of 8
 

 

First Quarter Results

Net Interest Income

Net interest income was $8.1 million for the first quarter of 2023, an increase of $0.8 million, or 10.7%, compared to $7.3 million for the first quarter of 2022. Interest income was $9.9 million for the first quarter of 2023, an increase of $2.3 million, or 31.0%, from $7.6 million for the first quarter of 2022. Interest income increased because of the $54.6 million increase in the average interest-earning assets between the periods and also because of the increase in the average yield earned on interest-earning assets between the periods. The average yield earned on interest-earning assets was 3.80% for the first quarter of 2023, an increase of 74 basis points from 3.06% for the first quarter of 2022. The increase in the average yield is primarily related to the increase in market interest rates as a result of the 4.50% increase in the prime interest rate between the periods.

Interest expense was $1.9 million for the first quarter of 2023, an increase of $1.6 million, or 553.7%, compared to $0.3 million for the first quarter of 2022. Interest expense increased primarily because of the increase in the average interest rate paid on interest-bearing liabilities between the periods. Interest expense also increased because of the $47.6 million increase in the average interest-bearing liabilities and non-interest bearing deposits between the periods. The average interest rate paid on interest-bearing liabilities and non-interest bearing deposits was 0.77% for the first quarter of 2023, an increase of 64 basis points from 0.13% for the first quarter of 2022. The increase in the average rate paid is primarily related to the increase in market interest rates as a result of the 4.50% increase in the federal funds rate between the periods. Net interest margin (net interest income divided by average interest-earning assets) for the first quarter of 2023 was 3.09%, an increase of 15 basis points, compared to 2.94% for the first quarter of 2022. The increase in the net interest margin is primarily because the increase in the average yield earned on interest-earning assets as a result of the increase in the prime rate was higher than the increase in the average rate paid on interest-bearing liabilities and non-interest bearing deposits between the periods.

A summary of the Company’s net interest margin for the three-month periods ended March 31, 2023 and 2022 is as follows:

 

   

For the three-month period ended

  
   

March 31, 2023

    

March 31, 2022

  

(Dollars in thousands)

  

Average

Outstanding

Balance

    

Interest

Earned/

Paid

    

Yield/

Rate

    

Average

Outstanding

Balance

    

Interest

Earned/

Paid

    

Yield/

Rate

  

Interest-earning assets:

                                                

Securities available for sale

   $ 268,684       795       1.20

%

   $ 295,370       788       1.08

%

Loans held for sale

     1,216       18       6.04       3,967       34       3.52  

Single family loans, net

     208,127       1,951       3.80       170,047       1,437       3.43  

Commercial loans, net

     522,921       6,373       4.94       449,279       4,809       4.34  

Consumer loans, net

     45,784       661       5.85       40,727       471       4.69  

Other

     10,814       115       4.31       43,593       26       0.24  

Total interest-earning assets

     1,057,546       9,913       3.80       1,002,983       7,565       3.06  
                                                 

Interest-bearing liabilities:

                                                

Checking accounts

     161,708       188       0.47       160,315       41       0.10  

Savings accounts

     120,741       26       0.09       121,033       18       0.06  

Money market accounts

     258,768       655       1.03       250,745       132       0.21  

Certificate accounts

     136,986       934       2.77       84,343       92       0.44  

Customer escrows

     6,393       32       2.00       0       0       0.00  

Advances and other borrowings

     1,219       15       4.86       0       0       0.00  

Total interest-bearing liabilities

     685,815                       616,436                  

Non-interest checking

     282,136                       303,697                  

Other non-interest bearing liabilities

     2,423                       2,636                  

Total interest-bearing liabilities and non-interest bearing deposits

   $ 970,374       1,850       0.77     $ 922,769       283       0.13  

Net interest income

           $ 8,063                     $ 7,282          

Net interest rate spread

                     3.03

%

                     2.93

%

Net interest margin

                     3.09

%

                     2.94

%

 

Page 2 of 8
 

 

Provision for Credit Losses

There was a small recapture in the provision for credit losses in the first quarter of 2023, a decrease of $0.3 million compared to $0.3 million for the first quarter of 2022. The provision for credit losses decreased primarily because of a decrease in the loan growth that was experienced between the periods. The small recapture in the provision recorded in the first quarter of 2023 is because of a decrease in the required collective reserves as a result of updating our projected losses associated with our historical loss calculation. This decrease was partially offset by an increase in the provision related to loan growth.

 

The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not also included in the collective evaluations. The collective reserve amount is assessed based on size and risk characteristics of the various portfolio segments, past loss history and other adjustments determined to have a potential impact on future credit losses. The collective reserve amount decreased from the January 1, 2023 adoption amount based on projected losses associated with the quantitative historical loss calculation and this decrease was partially offset by growth in the loan portfolio. The Company’s qualitative reserve adjustments did not materially change during the quarter due to management’s perception that economic conditions had not materially changed, including those related to the elevated inflation rate, and enacted and expected increases in the federal funds rate. Total non-performing assets were $1.9 million at March 31, 2023 and December 31, 2022.

 

A reconciliation of the Company’s allowance for credit losses for the first quarters of 2023 and 2022 is summarized as follows:

 

(Dollars in thousands)

 

2023

    

2022

  

Balance at January 1,

   $ 10,277       9,279  

Adoption of Accounting Standard Update (ASU) 2016-13

     1,070       0  

Provision

     (32 )     296  

Charge offs:

                

Consumer

     0       (1 )

Recoveries

     27       10  

Balance at March 31,

   $ 11,342       9,584  

Allocated to:

                

Collective allowance

   $ 11,139       9,142  

Individual allowance

     203       442  
    $ 11,342       9,584  

         

On January 1, 2023, the Company adopted Accounting Standards Update (ASU) 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. The transition to this ASU resulted in a cumulative-effect adjustment to the allowance for loan losses of $1.1 million, an increase in deferred tax assets of $0.3 million, and a decrease to retained earnings of $0.8 million as of the adoption date. In addition, a liability for $0.1 million was established for projected future losses on unfunded commitments on outstanding lines of credit upon adoption. The projected liability for unfunded commitments increased $24,000 during the first quarter of 2023 and the provision for credit losses was increased to reflect the change.

 

Page 3 of 8
 

 

The following table summarizes the amounts and categories of non-performing assets in the Bank’s portfolio and loan delinquency information as of the end of the two most recently completed quarters.

 

   

March 31,

    

December 31,

  

(Dollars in thousands)

 

2023

    

2022

  

Non‑performing loans:

                

Single family

   $ 890     $ 908  

Consumer

     494       441  

Commercial business

     474       529  

Total non‑performing assets

   $ 1,858     $ 1,878  

Total as a percentage of total assets

     0.17

%

     0.17

%

Total as a percentage of total loans receivable

     0.23

%

     0.24

%

Allowance for credit losses to non-performing loans

     610.45

%

     547.24

%
                 

Delinquency data:

                

Delinquencies (1)

                

30+ days

   $ 271     $ 1,405  

90+ days

     0       0  

Delinquencies as a percentage of loan portfolio (1)

                

30+ days

     0.03

%

     0.18

%

90+ days

     0.00

%

     0.00

%

(1) Excludes non-accrual loans.

                

 

 

Non-Interest Income and Expense

Non-interest income was $1.9 million for the first quarter of 2023, a decrease of $0.5 million, or 18.8%, from $2.4 million for the first quarter of 2022. Gain on sales of loans decreased $0.6 million between the periods because of a decrease in single family loan originations and sales due primarily to an increase in mortgage interest rates between the periods. This decrease was partially offset by a $0.1 million increase in other non-interest income due primarily to an increase in the gains recognized on equity securities between the periods. Fees and service charges increased slightly between the periods due primarily to an increase in the commitment fees earned on unused commercial lines of credit. Loan servicing fees increased slightly between the periods due to an increase in the aggregate balances of commercial loans that were being serviced for others.

Non-interest expense was $7.7 million for the first quarter of 2023, an increase of $0.4 million, or 6.1%, from $7.3 million for the first quarter of 2022. Compensation and benefits expense increased $0.5 million primarily because of annual salary increases and also because of a decrease in the direct loan origination compensation costs that were deferred as a result of the reduced mortgage loan production between the periods. Data processing expenses increased $0.2 million between the periods primarily because of the change to an outsourced data processing relationship at the end of the first quarter of 2022. Other non-interest expense increased $0.2 million between the periods primarily because of an increase in advertising costs and an increase in FDIC insurance costs between the periods due to an increase in rates. These increases in non-interest expense were partially offset by a $0.3 million decrease in professional services expense between the periods primarily because of a decrease in legal expenses relating to a bankruptcy litigation claim that was settled during the first quarter of 2022. Occupancy and equipment expense decreased $0.1 million due primarily to a decrease in noncapitalized software costs between the periods.

Income tax expense was $0.7 million for the first quarter of 2023, an increase of $0.1 million from $0.6 million for the first quarter of 2022. The increase in income tax expense between the periods is primarily the result of an increase in pre-tax income.

 

Return on Assets and Equity

Return on average assets (annualized) for the first quarter of 2023 was 0.61.%, compared to 0.58% for the first quarter of 2022. Return on average equity (annualized) was 5.64% for the first quarter of 2023, compared to 5.36% for the same period in 2022. Book value per common share at March 31, 2023 was $22.35, compared to $22.16 at March 31, 2022.

 

Page 4 of 8
 

 

General Information

HMN Financial, Inc. and the Bank are headquartered in Rochester, Minnesota. Home Federal Savings Bank operates twelve full service offices in Minnesota located in Albert Lea, Austin, Eagan, Kasson, La Crescent, Owatonna, Rochester (4), Spring Valley and Winona, one full service office in Marshalltown, Iowa, and one full service office in Pewaukee, Wisconsin. The Bank also operates two loan origination offices located in Sartell, Minnesota and La Crosse, Wisconsin.

 

Safe Harbor Statement

This press release may contain forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements are often identified by such forward-looking terminology as “anticipate,” “continue,” “could,” “expect,” “future,” “may,” “project” and “will,” or similar statements or variations of such terms and include, but are not limited to, those relating to: enacted and expected changes to the federal funds rate; the anticipated impacts of inflation and rising interest rates on the general economy, the Bank’s clients, and the allowance for credit losses; anticipated future levels of the provision for credit losses; and the payment of dividends by HMN.

A number of factors, many of which may be amplified by the deterioration in economic conditions, could cause actual results to differ materially from the Company’s assumptions and expectations. These include but are not limited to the adequacy and marketability of real estate and other collateral securing loans to borrowers; federal and state regulation and enforcement; possible legislative and regulatory changes, including changes to regulatory capital rules; the ability of the Bank to comply with other applicable regulatory capital requirements; enforcement activity of the Office of the Comptroller of the Currency and the Federal Reserve Bank of Minneapolis in the event of non-compliance with any applicable regulatory standard or requirement; adverse economic, business and competitive developments such as shrinking interest margins, reduced collateral values, deposit outflows, changes in credit or other risks posed by the Company’s loan and investment portfolios; changes in costs associated with traditional and alternate funding sources, including changes in collateral advance rates and policies of the Federal Home Loan Bank and the Federal Reserve Bank; technological, computer-related or operational difficulties including those from any third party cyberattack; reduced demand for financial services and loan products; adverse developments affecting the financial services industry, such as recent bank failures or concerns involving liquidity; changes in accounting policies and guidelines, or monetary and fiscal policies of the federal government or tax laws; domestic and international economic developments; the Company’s access to and adverse changes in securities markets; the market for credit related assets; the future operating results, financial condition, cash flow requirements and capital spending priorities of the Company and the Bank; the availability of internal and, as required, external sources of funding; the Company’s ability to attract and retain employees; or other significant uncertainties. Additional factors that may cause actual results to differ from the Company’s assumptions and expectations include those set forth in the “Risk Factors” section of the Company’s Annual Report on Form 10-K for the year ended December 31, 2022. All forward-looking statements are qualified by, and should be considered in conjunction with, such cautionary statements. All statements in this press release, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no duty to update any of the forward-looking statements after the date of this press release.

 

(Three pages of selected consolidated financial information are included with this release.)

 

***END***

 

Page 5 of 8
 

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Consolidated Balance Sheets

 

   

March 31,

    

December 31,

  

(Dollars in thousands)

  

2023

    

2022

  
   

(unaudited)

          

Assets

                

Cash and cash equivalents

   $ 10,120       36,259  

Securities available for sale:

                

Mortgage-backed and related securities (amortized cost $207,450 and $216,621)

     185,836       192,688  

Other marketable securities (amortized cost $55,698 and $55,698)

     53,857       53,331  

Total securities available for sale

     239,693       246,019  
                 

Loans held for sale

     567       1,314  

Loans receivable, net

     785,982       777,078  

Accrued interest receivable

     3,199       3,003  

Mortgage servicing rights, net

     2,878       2,986  

Premises and equipment, net

     16,467       16,492  

Goodwill

     802       802  

Prepaid expenses and other assets

     3,800       3,902  

Deferred tax asset, net

     8,074       8,347  

Total assets

   $ 1,071,582       1,096,202  
                 

Liabilities and Stockholders’ Equity

                

Deposits

   $ 958,318       981,926  

Federal Home Loan Bank advances and Federal Reserve borrowings

     2,300       0  

Accrued interest payable

     1,049       298  

Customer escrows

     8,463       10,122  

Accrued expenses and other liabilities

     1,230       6,520  

Total liabilities

     971,360       998,866  

Commitments and contingencies

                

Stockholders’ equity:

                

Serial-preferred stock ($.01 par value): authorized 500,000 shares; issued 0

     0       0  

Common stock ($.01 par value): authorized 16,000,000 shares; issued 9,128,662 outstanding 4,484,614 and 4,480,976

     91       91  

Additional paid-in capital

     40,975       41,013  

Retained earnings, subject to certain restrictions

     138,952       138,409  

Accumulated other comprehensive loss

     (17,515 )     (19,761 )

Unearned employee stock ownership plan shares

     (1,014 )     (1,063 )

Treasury stock, at cost 4,644,048 and 4,647,686 shares

     (61,267 )     (61,353 )

Total stockholders’ equity

     100,222       97,336  

Total liabilities and stockholders’ equity

   $ 1,071,582       1,096,202  
                 

 

Page 6 of 8
 

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Consolidated Statements of Comprehensive Income (Loss)

(unaudited)

 

   

Three Months Ended

March 31,

  

(Dollars in thousands, except per share data)

  

2023

    

2022

  

Interest income:

                

Loans receivable

   $ 9,003       6,751  

Securities available for sale:

                

Mortgage-backed and related

     652       727  

Other marketable

     143       61  

Other

     115       26  

Total interest income

     9,913       7,565  
                 

Interest expense:

                

Deposits

     1,803       283  

Customer escrows

     32       0  

Advances and other borrowings

     15       0  

Total interest expense

     1,850       283  
                 

Net interest income

     8,063       7,282  
                 

Provision for credit losses (1)

     (8 )     296  

Net interest income after provision for loan losses

     8,071       6,986  
                 

Non-interest income:

                

Fees and service charges

     807       766  

Loan servicing fees

     400       386  

Gain on sales of loans

     295       868  

Other

     426       355  

Total non-interest income

     1,928       2,375  
                 

Non-interest expense:

                

Compensation and benefits

     4,805       4,288  

Occupancy and equipment

     950       1,050  

Data processing

     505       354  

Professional services

     237       529  

Other

     1,196       1,031  

Total non-interest expense

     7,693       7,252  

Income before income tax expense

     2,306       2,109  

Income tax expense

     672       622  

Net income

     1,634       1,487  

Other comprehensive income (loss), net of tax

     2,246       (10,018 )

Comprehensive income (loss) available to common shareholders

   $ 3,880       (8,531 )

Basic earnings per share

   $ 0.38       0.34  

Diluted earnings per share

   $ 0.37       0.34  
                 

 

(1) The Company adopted ASU 2016-13 as of January 1, 2023. The 2022 amount presented is calculated under the prior accounting standard.

 

Page 7 of 8
 

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Selected Consolidated Financial Information

(unaudited)

 

SELECTED FINANCIAL DATA:

  

Three Months Ended

March 31,

          

(Dollars in thousands, except per share data)

     2023       2022          

I. OPERATING DATA:

                        

Interest income

   $ 9,913       7,565          

Interest expense

     1,850       283          

Net interest income

     8,063       7,282          
                         

II. AVERAGE BALANCES:

                        

Assets (1)

     1,094,161       1,040,712          

Loans receivable, net

     776,832       660,053          

Securities available for sale (1)

     268,684       295,370          

Interest-earning assets (1)

     1,057,546       1,002,983          

Interest-bearing liabilities and non-interest bearing deposits

     970,374       922,769          

Equity (1)

     117,467       112,597          
                         

III. PERFORMANCE RATIOS: (1)

                        

Return on average assets (annualized)

     0.61

%

     0.58

%

        

Interest rate spread information:

                        

Average during period

     3.03       2.93          

End of period

     2.90       3.00          

Net interest margin

     3.09       2.94          

Ratio of operating expense to average total assets (annualized)

     2.85       2.83          

Return on average common equity (annualized)

     5.64       5.36          

Efficiency

     77.00       75.09          
                         
   

March 31,

    

December 31,

    

March 31,

  
   

2023

    

2022

    

2022

  

IV. EMPLOYEE DATA:

                        

Number of full time equivalent employees

     165       165       168  
                         

V. ASSET QUALITY:

                        

Total non-performing assets

   $ 1,858       1,878       4,826  

Non-performing assets to total assets

     0.17

%

     0.17

%

     0.47

%

Non-performing loans to total loans receivable

     0.23       0.24       0.66  

Allowance for credit losses (2)

   $ 11,342       10,277       9,584  

Allowance for credit losses to total assets (2)

     1.06

%

     0.94

%

     0.93

%

Allowance for credit losses to total loans receivable (2)

     1.42       1.30       1.39  

Allowance for credit losses to non-performing loans (2)

     610.45       547.24       211.31  
                         

VI. BOOK VALUE PER COMMON SHARE:

                        

Book value per common share

   $ 22.35       21.72       22.16  
                         
   

Three Months Ended

Mar 31, 2023

    

Year Ended

Dec 31, 2022

    

Three Months Ended

Mar 31, 2022

  

VII. CAPITAL RATIOS:

                        

Stockholders’ equity to total assets, at end of period

     9.35

%

     8.88

%

     9.77

%

Average stockholders’ equity to average assets (1)

     10.74       10.73       10.82  

Ratio of average interest-earning assets to average interest-bearing liabilities and non-interest bearing deposits (1)

     108.98       108.65       108.69  

Home Federal Savings Bank regulatory capital ratios:

                        

Common equity tier 1 capital ratio

     11.59       11.48       12.76  

Tier 1 capital leverage ratio

     9.20       9.14       9.55  

Tier 1 capital ratio

     11.59       11.49       12.76  

Risk-based capital

     12.84       12.65       14.01  
                         

(1)

Average balances were calculated based upon amortized cost without the market value impact of ASC 320.

(2)

The Company adopted ASU 2016-13 as of January 1, 2023. The 2022 amounts presented are calculated under the prior accounting standard.

  

 

 

Page 8 of 8
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Document And Entity Information
Apr. 20, 2023
Document Information [Line Items]  
Entity, Registrant Name HMN Financial, Inc.
Document, Type 8-K
Document, Period End Date Apr. 20, 2023
Entity, Incorporation, State or Country Code DE
Entity, File Number 0-24100
Entity, Tax Identification Number 41-1777397
Entity, Address, Address Line One 1016 Civic Center Drive Northwest
Entity, Address, City or Town Rochester
Entity, Address, State or Province MN
Entity, Address, Postal Zip Code 55901
City Area Code 507
Local Phone Number 535-1200
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol HMNF
Security Exchange Name NASDAQ
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0000921183
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