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HarborOne Bancorp, Inc. Announces 2019 First Quarter Earnings

BROCKTON, Mass.–(BUSINESS WIRE)–HarborOne Bancorp, Inc. (the “Company” or “HarborOne”) (NASDAQ: HONE),
the holding company for HarborOne Bank (the “Bank”), announced net
income of $2.1 million, or $0.07 basic and diluted earnings per share
for the first quarter of 2019, compared to $111,000, or $0.00 per basic
and diluted share, for the prior quarter and $2.3 million, or $0.07 per
basic and diluted share, for the same quarter prior year.

Selected highlights:

  • Commercial loan growth of $37.2 million to $1.4 billion
  • Deposits up 6% quarter over quarter to $2.8 billion, solid growth in
    core accounts
  • Asset quality for the quarter remains strong
  • Opening of Stoughton, Massachusetts branch in March 2019

“Our continued commitment to commercial assets drove core earnings with
an increase of interest and fees on loans, along with other income from
fees generated by the commercial business,” said James W. Blake, CEO.
“Volatility in the capital markets resulted in a negative mark to market
of $2.2 million on mortgage servicing rights and first quarter earnings
were also negatively impacted by the operating loss at HarborOne
Mortgage. The residential mortgage business as a whole has experienced
lower income and spreads and we are actively managing the expense side
of the business with $1.2 million in annual savings on a recent
additional layoff. Although HarborOne Mortgage got off to a slow start
this year, recent mortgage application volume spurred by the spring
housing market and lower mortgage rates indicates an improved outlook in
the second quarter of 2019.”

Net Interest Income
The Company’s net interest and dividend
income was $26.0 million for the quarter ended March 31, 2019, down
$760,000, or 2.8%, from $26.8 million for the quarter ended December 31,
2018 and up $5.9 million, or 29.3%, from $20.1 million for the quarter
ended March 31, 2018. The tax-equivalent interest rate spread and net
interest margin were 2.92% and 3.19%, respectively, for the quarter
ended March 31, 2019 compared to 3.00% and 3.26%, respectively, for the
quarter ended December 31, 2018 and 3.07% and 3.26%, respectively, for
the quarter ended March 31, 2018.

The decrease in net interest income from the previous quarter reflects a
$130,000, or 0.4%, increase in total interest and dividend income offset
by an increase of $890,000, or 8.8% in total interest expense. Compared
to the prior quarter, interest and dividend income was relatively flat.
Interest on loans in the first quarter of 2019 includes $670,000 in
accretion income of the fair value discount on loans acquired from
Coastway Bancorp, Inc. (“Coastway”) in October 2018, and $106,000 in
prepayment penalties on commercial loans. Accretion income and
prepayment penalties in the previous quarter were $900,000 and $226,000,
respectively. The yield on loans was 4.67% for the quarter ended March
31, 2019 compared to 4.63% for the quarter ended December 31, 2018. The
increase in interest expense is primarily due to an increase in higher
cost money market accounts driving a 16 basis point increase in the cost
of interest-bearing deposits. The increase was partially offset by a
decrease in average FHLB advances of $45.5 million, tempered by an 18
basis point increase in the cost of those funds.

The increase in net interest income from the prior year quarter reflects
a $12.4 million, or 50.1%, increase in total interest and dividend
income and an increase of $6.5 million, or 141.7%, in total interest
expense. The increases in total interest and dividend income reflect an
increase in the yield on loans to 4.67% from 4.13%, primarily driven by
growth due to the Coastway acquisition as well as organic commercial
loan growth and higher rates on commercial loans. This is partially
offset by the increase in total interest expense primarily due to an
increase in average interest-bearing deposits of $578.6 million with a
62 basis point increase in the cost of those funds, due to deposits
acquired from Coastway as well as organic deposit growth in money market
and term certificate of deposits and a $139.1 million increase in
average FHLB borrowings with a 69 basis point increase in the cost of
those funds. Additionally the Company issued $35.0 million in
subordinated notes in the third quarter of 2018.

Noninterest Income
Noninterest income decreased $1.8
million, or 15.5%, to $9.8 million for the quarter ended March 31, 2019
from the quarter ended December 31, 2018. The decrease is primarily due
to a decrease in mortgage banking income of $1.5 million and a net
decrease of $316,000 in the other noninterest income categories. Results
of HarborOne Mortgage, LLC (“HarborOne Mortgage”) were down compared to
the fourth quarter. Lower mortgage banking income reflects industry wide
conditions, including lack of inventory and lower refinancing activity
due to higher mortgage rates during the quarter. Additionally the
decrease in the 10-year Treasury Constant Maturity rate negatively
impacted the fair value of the mortgage servicing rights resulting in a
$2.2 million decrease in their fair value. The net decrease in the other
noninterest income categories compared to the prior quarter is primarily
due to a decrease of $750,000 in bank-owned life insurance income and a
$229,000 decrease in deposit account fees partially offset by an
increase of $673,000 in other income. The increase in other income
reflects $613,000 in swap fee income as compared to $124,000 in the
previous quarter. The quarter ended December 31, 2018 included a
$746,000 death benefit in bank-owned life insurance income with no such
benefit in the first quarter of 2019.

Noninterest income decreased $1.5 million or 13.3%, as compared to the
quarter ended March 31, 2018. Mortgage banking income decreased $2.8
million, or 38.2%, partially offset by a net increase in the other
noninterest income categories of $1.3 million. Mortgage banking income
decreased compared to the prior year quarter due to lower mortgage
originations, primarily as a result of higher residential mortgage
interest rates, low housing inventories and reduced refinancing volume.
Additionally, mortgage servicing rights fair value decreased $2.2
million for the quarter ended March 31, 2019 as compared to an increase
of $1.0 million in the quarter ended March 31, 2018. The net increase in
other noninterest income categories compared to prior year quarter is
primarily due to an $811,000 increase in deposit account fee income
reflecting the addition of Coastway accounts and an increase of $466,000
in other income primarily from swap fee income and other commercial loan
fees.

Noninterest Expense
Noninterest expenses were $32.6 million
for the quarter ended March 31, 2019, a decrease of $4.0 million, or
10.9%, from the quarter ended December 31, 2018 which included merger
expenses of $3.8 million as compared to none in the first quarter of
2019.

Other significant changes in noninterest expense included an $817,000
decrease in compensation and benefits partially offset by a $499,000
increase in occupancy and equipment expense. The decrease in
compensation and benefits is due to a decrease in commission expense of
$990,000 primarily due to the decrease in origination volume at
HarborOne Mortgage and a $1.0 million decrease in management incentive
plan expense partially offset by an increase in supplemental employee
retirement plan expense of $535,000. Also impacting compensation and
benefits in the first quarter of 2019 were severance payments $295,000
reflecting continued efforts to right size HarborOne Mortgage in
response to economic conditions. The occupancy and equipment expense
increase was primarily due to property maintenance expense increases due
to the additional Coastway properties.

Total noninterest expenses increased $5.0 million, or 18.1%, from the
quarter ended March 31, 2018. Compensation and benefits increased $2.9
million, occupancy and equipment expense increased $1.2 million, other
expenses increased $802,000 and data processing expense increased
$493,000. The increases primarily reflect the acquisition of Coastway
and expenses related to the new Stoughton branch and Boston commercial
loan office.

Income Tax Provision
The effective tax rate was 14.7% for
the quarter ended March 31, 2019, compared to 68.0% for the quarter
ended December 31, 2018 and 26.5% for the quarter ended March 31, 2018.
The effective tax rate for the quarter ended December 31, 2018 was
impacted by nondeductible merger expenses, while the quarter ended March
31, 2019 was impacted by the 2014 Massachusetts state tax refund of
$320,000 recognized in the quarter.

Asset Quality
The Company recorded a provision for loan
losses of $857,000 for the quarter ended March 31, 2019, compared to
$1.5 million for the quarter ended December 31, 2018 and $808,000 for
the quarter ended March 31, 2018. The increase in the provision for the
quarter ended December 31, 2018 is primarily due to commercial and
construction loan growth. Also contributing to the higher provision for
the quarter ended December 31, 2018 was $18.1 million in loans that were
downgraded to a watch risk rating and resulted in an increase in the
allocated reserves of $439,000. Generally increases in loan loss
provisions each quarter were due to growth in the commercial loan
portfolio. Changes in the provision for loan losses are based on
management’s assessment of loan portfolio growth and composition
changes, historical charge-off trends, and ongoing evaluation of credit
quality and current economic conditions.

Net charge-offs totaled $230,000 for the quarter ended March 31, 2019,
or 0.03%, of average loans outstanding on an annualized basis, compared
to $287,000, or 0.04% of average loans outstanding on an annualized
basis, for the quarter ended December 31, 2018 and $434,000, or 0.08% of
average loans outstanding on an annualized basis, for the quarter ended
March 31, 2018.

The allowance for loan losses was $21.3 million, or 0.71%, of total
loans at March 31, 2019, compared to $20.7 million, or 0.69%, of total
loans at December 31, 2018 and $18.9 million, or 0.84%, of total loans
at March 31, 2018. The decrease from March 31, 2018 reflects the loans
acquired from Coastway. In accordance with generally accepted accounting
principles for acquisition accounting, the loans acquired through the
acquisition of Coastway were recorded at fair value; accordingly, there
was no allowance for loan losses associated with the acquired loans.

Total nonperforming assets were $19.3 million at March 31, 2019 compared
to $18.5 million at December 31, 2018 and $17.2 million at March 31,
2018. Nonperforming assets as a percentage of total assets were 0.53% at
March 31, 2019, 0.51% at December 31, 2018 and 0.63% at March 31, 2018.
The Company continues to minimize nonperforming assets through diligent
collection efforts, prudent workout arrangements and strong underwriting.

Balance Sheet
Total assets increased $2.9 million, or 0.1%,
to $3.66 billion at March 31, 2019 from $3.65 billion at December 31,
2018.

Net loans increased $14.4 million, or 0.5%, to $2.98 billion at March
31, 2019 from $2.96 billion at December 31, 2018. The net increase in
loans for the three months ended March 31, 2019 was primarily due
increases in commercial real estate loans of $18.0 million and
commercial loans of $22.4 million, partially offset by decreases in
commercial construction loans of $3.2 million and consumer loans of
$22.1 million. Loans held for sale decreased $9.7 million, or 22.9%, to
$32.4 million at March 31, 2019 from $42.1 million at December 31, 2018.

Total deposits increased $151.6 million, or 5.6%, to $2.84 billion at
March 31, 2019 from $2.69 billion at December 31, 2018. Compared to the
prior quarter, non-certificate accounts increased $117.4 million,
brokered deposits increased $40.4 million and term certificate accounts
decreased $6.2 million. FHLB borrowings were $355.9 million at March 31,
2019 and $519.9 million at December 31, 2018.

Total stockholders’ equity was $363.4 million at March 31, 2019 compared
to $357.6 million at December 31, 2018 and $344.9 million at March 31,
2018. The tangible common equity to tangible assets ratio was 7.99% at
March 31, 2019, 7.81% at December 31, 2018 and 12.17% at March 31, 2018.
At March 31, 2019, the Company and the Bank exceed all regulatory
capital requirements.

About HarborOne Bancorp, Inc.
HarborOne Bancorp, Inc. is the
holding company for HarborOne Bank, the largest co-operative bank in New
England. HarborOne Bank serves the financial needs of consumers,
businesses, and municipalities throughout Eastern Massachusetts and
Rhode Island through a network of 24 full-service branches located in
Massachusetts and Rhode Island, one limited service branch and a
commercial lending office in each of Boston, Massachusetts and
Providence, Rhode Island. The Bank also provides a range of educational
services through “HarborOne U,” with classes on small business,
financial literacy and personal enrichment at two campuses located
adjacent to our Brockton and Mansfield locations. HarborOne Mortgage,
LLC, a subsidiary of HarborOne Bank, is a full-service mortgage lender
with 34 offices in Massachusetts, Rhode Island, New Hampshire, Maine,
and New Jersey and is also licensed to lend in five additional states.

Forward Looking Statements
Certain statements herein
constitute forward-looking statements within the meaning of Section 27A
of the Securities Act of 1933, as amended, and Section 21E of the
Exchange Act and are intended to be covered by the safe harbor
provisions of the Private Securities Litigation Reform Act of 1995. Such
statements may be identified by words such as “believes,” “will,”
“would,” “expects,” “project,” “may,” “could,” “developments,”
“strategic,” “launching,” “opportunities,” “anticipates,” “estimates,”
“intends,” “plans,” “targets” and similar expressions. These statements
are based upon the current beliefs and expectations of the Company’s
management and are subject to significant risks and uncertainties.
Actual results may differ materially from those set forth in the
forward-looking statements as a result of numerous factors. Factors that
could cause such differences to exist include, but are not limited to,
acquisitions may not produce results at levels or within time frames
originally anticipated; adverse conditions in the capital and debt
markets and the impact of such conditions on the Company’s business
activities; changes in interest rates; competitive pressures from other
financial institutions; the effects of general economic conditions on a
national basis or in the local markets in which the Company operates,
including changes that adversely affect borrowers’ ability to service
and repay the Company’s loans; changes in the value of securities in the
Company’s investment portfolio; changes in loan default and charge-off
rates; fluctuations in real estate values; the adequacy of loan loss
reserves; decreases in deposit levels necessitating increased borrowing
to fund loans and investments; operational risks including, but not
limited to, cybersecurity, fraud and natural disasters; changes in
government regulation; changes in accounting standards and practices;
the risk that goodwill and intangibles recorded in the Company’s
financial statements will become impaired; demand for loans in the
Company’s market area; the Company’s ability to attract and maintain
deposits; risks related to the implementation of acquisitions,
dispositions, and restructurings; the risk that the Company may not be
successful in the implementation of its business strategy; changes in
assumptions used in making such forward-looking statements and the risk
factors described in the Annual Report on Form 10-K and Quarterly
Reports on Form 10-Q as filed with the Securities and Exchange
Commission (the “SEC”), which are available at the SEC’s website, www.sec.gov.
Should one or more of these risks materialize or should underlying
beliefs or assumptions prove incorrect, HarborOne Bancorp, Inc.’s actual
results could differ materially from those discussed. Readers are
cautioned not to place undue reliance on these forward-looking
statements, which speak only as of the date of this release. The Company
disclaims any obligation to publicly update or revise any
forward-looking statements to reflect changes in underlying assumptions
or factors, new information, future events or other changes, except as
required by law.

Use of Non-GAAP Measures
In addition to results presented in
accordance with generally accepted accounting principles (“GAAP”), this
press release contains certain non-GAAP financial measures. The
Company’s management believes that the supplemental non-GAAP
information, which consists of the tax equivalent basis for yields, the
efficiency ratio, tangible common equity to tangible assets ratio and
tangible book value per share is utilized by regulators and market
analysts to evaluate a company’s financial condition and therefore, such
information is useful to investors. These disclosures should not be
viewed as a substitute for financial results determined in accordance
with GAAP, nor are they necessarily comparable to non-GAAP performance
measures which may be presented by other companies. Because non-GAAP
financial measures are not standardized, it may not be possible to
compare these financial measures with other companies’ non-GAAP
financial measures having the same or similar names.

 

HarborOne Bancorp, Inc.

Consolidated Balance Sheet Trend

(Unaudited)

               
 
March 31, December 31, September 30, June 30, March 31,
(in thousands)   2019 2018 2018 2018 2018
 
Assets
 
Cash and due from banks $ 25,227 $ 27,686 $ 18,478 $ 20,232 $ 15,205
Short-term investments   76,328     77,835     76,619     112,264     92,105  
Total cash and cash equivalents 101,555 105,521 95,097 132,496 107,310
 
Securities available for sale, at fair value 219,966 209,293 191,847 185,702 182,173
Securities held to maturity, at amortized cost 41,104 44,688 47,371 48,251 46,095
Federal Home Loan Bank stock, at cost 16,134 24,969 13,263 15,310 13,538
Loans held for sale, at fair value 32,449 42,107 155,268 71,017 34,129
Loans:
Residential real estate 1,115,424 1,115,456 661,755 768,537 774,083
Commercial real estate 952,404 934,420 788,561 726,276 687,121
Commercial construction   158,504     161,660     129,796     150,710     133,227  
Total mortgage loans on real estate 2,226,332 2,211,536 1,580,112 1,645,523 1,594,431
Commercial 299,658 277,271 139,616 132,293 111,013
Consumer   469,346     491,445     498,417     516,897     521,634  
Loans 2,995,336 2,980,252 2,218,145 2,294,713 2,227,078
Less: Allowance for loan losses (21,282 ) (20,655 ) (19,440 ) (19,244 ) (18,863 )
Net deferred loan costs   5,193     5,255     5,677     5,982     6,075  
Net loans 2,979,247 2,964,852 2,204,382 2,281,451 2,214,290
Mortgage servicing rights, at fair value 20,231 22,217 23,748 22,832 22,696
Goodwill 69,635 70,088 13,660 13,629 13,565
Intangible assets 7,739 8,379 66 88 110
Other assets   167,936     161,007     108,098     108,938     101,671  
Total assets $ 3,655,996   $ 3,653,121   $ 2,852,800   $ 2,879,714   $ 2,735,577  
 
Liabilities and Stockholders’ Equity
 
Deposits:
NOW and demand deposit accounts $ 574,379 $ 556,517 $ 432,628 $ 429,397 $ 419,776
Regular savings and club accounts 497,697 482,088 327,030 403,732 378,818
Money market deposit accounts 842,824 758,933 674,657 681,524 701,360
Brokered deposits 117,940 77,508 66,831 79,396 70,176
Term certificate accounts   803,805     810,015     684,495     608,453     557,082  
Total deposits 2,836,645 2,685,061 2,185,641 2,202,502 2,127,212
Short-term borrowed funds 126,000 290,000 25,000 70,000
Long-term borrowed funds 229,935 229,936 206,187 217,438 226,364
Subordinated debt 33,812 33,799 33,855
Other liabilities and accrued expenses   66,156     56,751     48,772     41,198     37,144  
Total liabilities   3,292,548     3,295,547     2,499,455     2,531,138     2,390,720  
 
Common stock 327 327 327 327 327
Additional paid-in capital 153,326 152,156 150,732 150,063 148,559
Unearned compensation – ESOP (9,942 ) (10,091 ) (10,239 ) (10,388 ) (10,536 )
Retained earnings 221,155 219,088 218,977 213,049 209,946
Treasury stock (1,548 ) (1,548 ) (1,548 ) (742 ) (742 )
Accumulated other comprehensive income (loss)   130     (2,358 )   (4,904 )   (3,733 )   (2,697 )
Total stockholders’ equity   363,448     357,574     353,345     348,576     344,857  
 
Total liabilities and stockholders’ equity $ 3,655,996   $ 3,653,121   $ 2,852,800   $ 2,879,714   $ 2,735,577  
                 

 

HarborOne Bancorp, Inc.

Consolidated Statements of Net Income – Trend

(Unaudited)

 
Quarters Ended
March 31, December 31, September 30, June 30, March 31,
(in thousands, except share data)     2019 2018 2018 2018 2018
 
Interest and dividend income:
Interest and fees on loans $ 34,365 $ 33,947 $ 25,115 $ 23,866 $ 22,504
Interest on loans held for sale 358 648 625 521 411
Interest on securities 1,847 1,788 1,629 1,567 1,496
Other interest and dividend income   483     540     480     297     274
Total interest and dividend income   37,053     36,923     27,849     26,251     24,685
 
Interest expense:
Interest on deposits 8,243 7,181 5,409 4,450 3,523
Interest on FHLB borrowings 2,275 2,400 1,130 906 1,038
Interest on subordinated debentures   505     552     189        
Total interest expense   11,023     10,133     6,728     5,356     4,561
 
Net interest and dividend income 26,030 26,790 21,121 20,895 20,124
 
Provision for loan losses   857     1,502     632     886     808
 
Net interest income, after provision for loan losses   25,173     25,288     20,489     20,009     19,316
 
Noninterest income:
Mortgage banking income:
Changes in mortgage servicing rights fair value (2,151 ) (1,734 ) (378 ) (306 ) 1,022
Other   6,653     7,730     9,249     8,765     6,261
Total mortgage banking income 4,502 5,996 8,871 8,459 7,283
 
Deposit account fees 3,778 4,007 3,302 3,224 2,967
Income on retirement plan annuities 96 101 100 119 113
Gain on sale and call of securities, net 5
Bank-owned life insurance income 253 1,003 243 243 239
Other income   1,213     540     1,124     512     747
Total noninterest income   9,842     11,652     13,640     12,557     11,349
 
Noninterest expenses:
Compensation and benefits 19,245 20,062 16,809 17,345 16,352
Occupancy and equipment 4,448 3,949 3,027 2,961 3,275
Data processing 2,046 1,965 1,702 1,569 1,553
Loan expense 1,271 1,227 1,503 1,390 1,262
Marketing 958 611 639 1,084 999
Professional fees 946 1,237 712 915 968
Deposit insurance 666 572 540 491 494
Merger expenses 3,808 274 524 486
Other expenses   3,012     3,162     2,177     2,239     2,210
Total noninterest expenses   32,592     36,593     27,383     28,518     27,599
 
Income before income taxes 2,423 347 6,746 4,048 3,066
 
Income tax provision   356     236     818     945     814
 
Net income $ 2,067   $ 111   $ 5,928   $ 3,103   $ 2,252
 
Earnings per common share:
Basic $ 0.07 $ $ 0.19 $ 0.10 $ 0.07
Diluted $ 0.07 $ $ 0.19 $ 0.10 $ 0.07
Weighted average shares outstanding:
Basic 31,561,761 31,571,467 31,575,210 31,578,961 31,569,811
Diluted 31,561,761 31,571,467 31,575,811 31,578,961 31,569,811
             

HarborOne Bancorp, Inc.

Consolidated Statements of Net Income

(Unaudited)

 

For the Three Months Ended March 31,
(dollars in thousands, except share data) 2019 2018

$ Change

% Change
 
Interest and dividend income:
Interest and fees on loans $ 34,365 $ 22,504 $ 11,861 52.7 %
Interest on loans held for sale 358 411 (53 ) (12.9 )
Interest on securities 1,847 1,496 351 23.5
Other interest and dividend income   483     274   209   76.3
Total interest and dividend income   37,053     24,685   12,368   50.1
 
Interest expense:
Interest on deposits 8,243 3,523 4,720 134.0
Interest on FHLB borrowings 2,275 1,038 1,237 119.2
Interest on subordinated debentures   505       505   100.0
Total interest expense   11,023     4,561   6,462   141.7
 
Net interest and dividend income 26,030 20,124 5,906 29.3
 
Provision for loan losses   857     808   49   6.1
 
Net interest income, after provision for loan losses   25,173     19,316   5,857   30.3
 
Noninterest income:
Mortgage banking income:
Changes in mortgage servicing rights fair value (2,151 ) 1,022 (3,173 ) (310.5 )
Other   6,653     6,261   392   6.3
Total mortgage banking income 4,502 7,283 (2,781 ) (38.2 )
 
Deposit account fees 3,778 2,967 811 27.3
Income on retirement plan annuities 96 113 (17 ) (15.0 )
Bank-owned life insurance income 253 239 14 5.9
Other income   1,213     747   466   62.4
Total noninterest income   9,842     11,349   (1,507 ) (13.3 )
 
Noninterest expenses:
Compensation and benefits 19,245 16,352 2,893 17.7
Occupancy and equipment 4,448 3,275 1,173 35.8
Data processing 2,046 1,553 493 31.7
Loan expense 1,271 1,262 9 0.7
Marketing 958 999 (41 ) (4.1 )
Professional fees 946 968 (22 ) (2.3 )
Deposit insurance 666 494 172 34.8
Merger expenses 486 (486 ) (100.0 )
Other expenses   3,012     2,210   802   36.3
Total noninterest expenses   32,592     27,599   4,993   18.1
 
Income before income taxes 2,423 3,066 (643 ) (21.0 )
 
Income tax provision   356     814   (458 ) (56.3 )
 
Net income $ 2,067   $ 2,252 $ (185 ) (8.2 ) %
 
Earnings per common share:
Basic $ 0.07 $ 0.07
Diluted $ 0.07 $ 0.07
Weighted average shares outstanding:
Basic 31,561,761 31,569,811
Diluted 31,561,761 31,569,811

Contacts

Linda Simmons, SVP, CFO  508-895-1379

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