PART I - FINANCIAL INFORMATION [Item 1: Financial Statements](index=4&type=section&id=Item%201%3A%20Financial%20Statements) Presents Home Federal Bancorp's unaudited consolidated financial statements as of March 31, 2023, with accompanying notes on policies and a recent acquisition [Consolidated Statements of Financial Condition](index=4&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition) Total assets increased to **$686.0 million** by March 31, 2023, driven by net loan growth, while equity slightly decreased Consolidated Balance Sheet Highlights (in thousands) | Account | March 31, 2023 | June 30, 2022 | Change (%) | | :--- | :--- | :--- | :--- | | **Total Assets** | **$685,985** | **$590,480** | **+16.2%** | | Cash and Cash Equivalents | $45,568 | $64,078 | -28.9% | | Loans Receivable, Net | $486,394 | $387,873 | +25.4% | | Goodwill | $2,990 | $0 | N/A | | **Total Liabilities** | **$635,862** | **$538,133** | **+18.2%** | | Total Deposits | $614,374 | $531,991 | +15.5% | | **Total Stockholders' Equity** | **$50,123** | **$52,347** | **-4.2%** | [Consolidated Statements of Income](index=5&type=section&id=Consolidated%20Statements%20of%20Income) Net income for the nine-month period increased to **$4.45 million**, while quarterly net income decreased to **$1.06 million** due to higher expenses Quarterly and Nine-Month Income Statement Highlights (in thousands, except per share data) | Metric | Q1 2023 | Q1 2022 | 9 Months 2023 | 9 Months 2022 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $5,473 | $4,268 | $16,102 | $12,678 | | Provision for Loan Losses | $150 | $0 | $718 | $61 | | Non-Interest Income | $208 | $836 | $1,594 | $2,888 | | Non-Interest Expense | $4,498 | $3,558 | $11,809 | $10,778 | | **Net Income** | **$1,062** | **$1,277** | **$4,446** | **$3,805** | | **Diluted EPS** | **$0.34** | **$0.37** | **$1.41** | **$1.10** | [Consolidated Statements of Comprehensive Income](index=6&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Total comprehensive income for Q1 2023 was **$1.67 million**, and **$4.17 million** for the nine-month period, influenced by net income and unrealized gains/losses Comprehensive Income Summary (in thousands) | Component | Q1 2023 | Q1 2022 | 9 Months 2023 | 9 Months 2022 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $1,062 | $1,277 | $4,446 | $3,805 | | Other Comprehensive Gain (Loss), Net of Tax | $603 | $(881) | $(275) | $(1,094) | | **Total Comprehensive Income** | **$1,665** | **$396** | **$4,171** | **$2,711** | [Consolidated Statements of Changes in Stockholders' Equity](index=7&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders%27%20Equity) Stockholders' equity decreased to **$50.1 million** by March 31, 2023, primarily due to stock repurchases and dividends, partially offset by net income - Key drivers for the change in stockholders' equity during the nine months ended March 31, 2023 included: - Net Income: **+$4.4 million** - Company Stock Purchased: **-$6.0 million** - Dividends Paid: **-$1.2 million** - Changes in Unrealized Loss on Securities: **-$0.3 million**[20](index=20&type=chunk) [Consolidated Statements of Cash Flows](index=9&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Net cash and cash equivalents decreased by **$18.5 million** for the nine months ended March 31, 2023, primarily due to investing activities, largely funded by financing and operating cash flows Cash Flow Summary for the Nine Months Ended March 31 (in thousands) | Activity | 2023 | 2022 | | :--- | :--- | :--- | | Net Cash Provided by Operating Activities | $8,719 | $16,044 | | Net Cash Used in Investing Activities | $(117,716) | $(47,593) | | Net Cash Provided by Financing Activities | $90,487 | $6,212 | | **Net Decrease in Cash and Cash Equivalents** | **$(18,510)** | **$(25,337)** | [Notes to Consolidated Financial Statements](index=11&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) Notes detail accounting policies, the **$10.2 million** acquisition of Northwest Bancshares resulting in goodwill, and provide breakdowns of the loan portfolio and allowance for loan losses - On February 1, 2023, the Company completed the acquisition of Northwest Bancshares Corporation for an aggregate purchase price of **$10.2 million** in cash The acquisition resulted in goodwill of **$3.0 million** and a core deposit intangible of **$1.5 million**[149](index=149&type=chunk)[150](index=150&type=chunk) Loan Portfolio Composition (in thousands) | Loan Type | March 31, 2023 | June 30, 2022 | | :--- | :--- | :--- | | One-to-Four Family Residential | $173,444 | $120,014 | | Commercial Real Estate | $152,092 | $127,589 | | Commercial Loans | $51,490 | $44,487 | | Other | $114,480 | $100,225 | | **Total Loans** | **$491,506** | **$392,635** | - The allowance for loan losses increased to **$4.9 million** as of March 31, 2023, from **$4.5 million** at the beginning of the period, with a provision of **$718,000** recorded for the nine months[88](index=88&type=chunk) [Item 2: Management's Discussion and Analysis of Financial Condition and Results of Operations](index=39&type=section&id=Item%202%3A%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations%20%28Unaudited%29) Management discusses **$686.0 million** asset growth driven by net loans and the FNBB acquisition, quarterly net income decline, nine-month improvement from net interest income, and strong regulatory capital - Total assets increased by **$95.5 million** (**16.2%**) to **$686.0 million** at March 31, 2023, from June 30, 2022, primarily driven by a **$98.5 million** (**25.4%**) increase in net loans receivable[166](index=166&type=chunk) - The acquisition of First National Bank of Benton (FNBB) contributed significantly to growth, adding **$53.3 million** in loans and **$77.9 million** in deposits[168](index=168&type=chunk)[175](index=175&type=chunk) Net Interest Margin and Spread | Period | Net Interest Spread | Net Interest Margin | | :--- | :--- | :--- | | **Three Months Ended March 31, 2023** | **3.15%** | **3.56%** | | Three Months Ended March 31, 2022 | 3.13% | 3.27% | | **Nine Months Ended March 31, 2023** | **3.55%** | **3.84%** | | Nine Months Ended March 31, 2022 | 3.03% | 3.19% | - At March 31, 2023, the Bank exceeded all regulatory capital requirements, with a total risk-based capital ratio of **12.91%**[178](index=178&type=chunk)[203](index=203&type=chunk) [Item 3: Quantitative and Qualitative Disclosures About Market Risk](index=49&type=section&id=Item%203%3A%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk%20%28Unaudited%29) This section is indicated as not applicable for the current reporting period - This item is not applicable[210](index=210&type=chunk) [Item 4: Controls and Procedures](index=49&type=section&id=Item%204%3A%20Controls%20and%20Procedures%20%28Unaudited%29) Disclosure controls and procedures were deemed effective as of March 31, 2023, with no material changes to internal control over financial reporting during the quarter - Management concluded that disclosure controls and procedures were effective as of the end of the period covered by this report[211](index=211&type=chunk) - No changes in internal control over financial reporting occurred during the quarter that materially affected, or are reasonably likely to materially affect, the company's internal controls[212](index=212&type=chunk) PART II - OTHER INFORMATION [Item 1: Legal Proceedings](index=50&type=section&id=Item%201%3A%20Legal%20Proceedings) The company is not involved in any material pending legal proceedings beyond routine ordinary course of business matters - The Company is not involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business[215](index=215&type=chunk) [Item 1A: Risk Factors](index=50&type=section&id=Item%201A%3A%20Risk%20Factors) This section is indicated as not applicable for the current reporting period - This item is not applicable[216](index=216&type=chunk) [Item 2: Unregistered Sales of Equity Securities and Use of Proceeds](index=50&type=section&id=Item%202%3A%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company did not repurchase any common stock during the three-month period ended March 31, 2023 - No shares of common stock were repurchased during the quarter ended March 31, 2023[217](index=217&type=chunk) [Item 3: Defaults Upon Senior Securities](index=50&type=section&id=Item%203%3A%20Defaults%20Upon%20Senior%20Securities) This section is indicated as not applicable for the current reporting period - This item is not applicable[218](index=218&type=chunk) [Item 4: Mine Safety Disclosures](index=50&type=section&id=Item%204%3A%20Mine%20Safety%20Disclosures) This section is indicated as not applicable for the current reporting period - This item is not applicable[219](index=219&type=chunk) [Item 5: Other Information](index=50&type=section&id=Item%205%3A%20Other%20Information) This section is indicated as not applicable for the current reporting period - This item is not applicable[220](index=220&type=chunk) [Item 6: Exhibits](index=51&type=section&id=Item%206%3A%20Exhibits) This section lists exhibits filed with the Form 10-Q, including CEO and CFO certifications and Inline XBRL data files - Exhibits filed with this report include: - CEO Certification (Rule 13a-14(a)/15d-14(a)) - CFO Certification (Rule 13a-14(a)/15d-14(a)) - Certification Pursuant to 18 U.S.C Section 1350 - Inline XBRL Instance Document and related files[224](index=224&type=chunk)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 624 Market Street, Shreveport, Louisiana 71101 (Address of ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) Commission file number: 001-35019 HOME FEDERAL BANCORP, INC. OF LOUISIANA (Exact name of registrant as specified in its charter) Louisiana 02-0815311 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 624 Market Street, Shreveport, Louisiana 71101 (Address of principal executive offices) (Zip Code) (318) 222-1145 (Registrant's telephone number, including area code) N/A (Fo ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Exact name of registrant as specified in its charter) OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Louisiana 02-0815311 (State or Other Jurisdiction of (I.R.S. Employer Incorporation or Organization) Identification No.) 624 Market Street, Shreveport, Louisiana 71101 (Address of Principal Executive Offices) (Zip Code) For the fiscal year ended June 30, 2022 (318) 222-1145 Registrant ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35019 HOME FEDERAL BANCORP, INC. OF LOUISIANA (Exact name of registrant as specified in its charter) Louisiana 02-0815311 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 624 Market Street, Shreveport, Louisiana 71101 (A ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35019 HOME FEDERAL BANCORP, INC. OF LOUISIANA (Exact name of registrant as specified in its charter) | Louisiana | 02-0815311 ...

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: September 30, 2021 or UNITED STATES SECURITIES AND EXCHANGE COMMISSION For the transition period from to Commission file number: 001-35019 Washington, DC 20549 FORM 10-Q (Mark One) (Exact name of registrant as specified in its charter) Louisiana 02-0815311 (State or other jurisdiction of incorporat ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______________ to _________________. Commission File Number 001-35019 HOME FEDERAL BANCORP, INC. OF LOUISIANA (Exact name of registrant as specified in its charter) | ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: March 31, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35019 HOME FEDERAL BANCORP, INC. OF LOUISIANA (Exact name of registrant as specified in its charter) Louisiana 02-0815311 (S ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: December 31, 2020 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35019 HOME FEDERAL BANCORP, INC. OF LOUISIANA (Exact name of registrant as specified in its charter) Louisiana 02-0815311 ...