Exhibit 99.2
NASDAQ: HOMB
www.homebancshares.com
This presentation contains forward-looking statements that relate to expectations,
beliefs, projections, future plans and strategies, anticipated events or trends and similar expressions concerning matters that are not historical facts. The forwardlooking statements contained herein reflect our current views about future events and financial performance and are subject to risks, uncertainties, assumptions and changes in circumstances that may cause our actual results to differ significantly from historical results and those expressed in any forward-looking statement. Some factors that could cause actual results to differ materially from historical or expected results include: factors listed in the Company’s 10-K as filed with the Securities and Exchange Commission; changes in general economic conditions, either nationally or locally in the areas in which we conduct or will conduct our business; inflation, interest rate, market and monetary fluctuations; increases in competitive pressures among financial institutions and businesses offering similar products and services; higher defaults on our loan portfolio than we expect; changes in management’s estimate of the adequacy of the allowance for loan losses; legislative or regulatory changes or changes in accounting principles, policies or guidelines; management’s estimates and projections of interest rates and interest rate policy; the execution of our business plan; and other factors affecting the financial services industry generally or the banking industry in particular.
We do not intend and disclaim any duty or obligation to update or revise any industry information or forward-looking statements set forth in this presentation to reflect new information, future events or otherwise.
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Branch Locations (92)
Centennial Locations (46) Liberty Locations (46)
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(Pro-forma as of March 2013)
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- Purchase all of the issued and outstanding shares of common stock of Liberty Bancshares, Inc., an Arkansas state-chartered holding company
- As of March 31, 2013, Liberty had $2.9 billion in total assets, $1.9 billion in loans and $2.2 billion in customer deposits
- Acquired branches will operate as Centennial Bank, a wholly-owned subsidiary of Home BancShares, Inc.
- Significantly accretive to net income and EPS
- Issuance of $250 million of HOMB common stock plus $30 million in cash and leverages our excess capital
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- 46 full service locations spanning from Northwest Arkansas to Northeast Arkansas
- Liberty’s franchise is ranked 6thin market share in Arkansas
$1,800 $1,659 $1,632
$1,616
$1,600
$1,363 $1 358
$1,400 $1,294
$1,200
$1,000
$800
$600
$400
$200
$0
‘08YE ‘09YE ‘10YE ‘11YE ‘12YE MRQ
Source: Core deposits defined as total deposits less time deposits greater than $100K Note: MRQ as of 3/31/13; Shown as Liberty Bancshares, Inc. (‘08YE-MRQ)
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-The combined entity would rise to 2nd in deposit market share among Arkansas-based holding companies
Deposit Market Share of Top 10 Arkansas-Based Holding Companies (1)
Deposits Dep/Branch Market
Rank Institution Branches ($mm) ($mm) Share
1 Arvest Bank Group, Inc. 110 $ 6,446,019 $ 58,600 12.1%
Home BancShares, Inc. ‐ Pro Forma 92 3,899,559 42,387 7.3%
2 First Security Bancorp 72 3,252,212 45,170 6.1%
3 Simmons First National Corporation 73 2,566,061 35,152 4.8%
4 Liberty Bancshares, Inc. 46 2,142,608 46,578 4.0%
5 Home BancShares, Inc. 46 1,756,951 38,195 3.3%
6 Bank of the Ozarks, Inc. 66 1,586,278 24,035 3.0%
7 First Bank Corp. 24 1,208,520 50,355 2.3%
8 Summit Bancorp, Inc. 25 973,062 38,922 1.8%
9 Rogers Bancshares, Inc. 45 891,873 19,819 1.7%
10 Community First Bancshares, Inc. 10 756,063 75,606 1.4%
(1) Deposit market share as of 6/30/12
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Liberty Bancshares, Inc. is ranked with aggregate market share of 4.0% in Arkansas
- The combined entity would rise to 3rd in deposit market share in Arkansas
Deposit Market Share of Top10 Holding Companies
Deposits Dep/Branch Market
Rank Institution Branches ($mm) ($mm) Share
1 Arvest Bank Group, Inc. 110 $ 6,446,019 $ 58,600 12.1%
2 Regions Financial Corporation 97 4,277,471 44,098 8.0%
Home BancShares, Inc. ‐ Pro Forma 92 3,899,559 42,387 7.3%
3 First Security Bancorp 72 3,252,212 45,170 6.1%
4 Bank of America Corporation 38 3,129,594 82,358 5.9%
5 Simmons First National Corporation 73 2,566,061 35,152 4.8%
6 Liberty Bancshares Inc 46 2,142,608 46,578 4.0%
7 Home BancShares Inc 46 1,756,951 38,195 3.3%
8 BancorpSouth Inc 53 1,736,643 32,767 3.3%
9 Bank of the Ozarks, Inc. 66 1,586,278 24,035 3.0%
10 First Bank Corp. 24 1,208,520 50,355 2.3%
(1) Deposit market share as of 6/30/12
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(Dollars in Millions) HOMB Liberty Bancshares
HOMB – Pro-Forma
14% 10% 13% 63%
25% 11% 17% 47%
18% 10% 15% 57%
Transaction Accounts Jumbo Time Deposits
Money Market & Savings Retail Time Deposits
Acquired
HOMB Liberty Deposits HOMB
3/31/2013 3/31/2013 Pro-Forma
Transaction Accounts $348 $239 $587
Money Market & Savings 2
182 1017 3199
Retail Time Deposits 450 376 826
Jumbo Time Deposits 485 541 1,026
$3465 $2173 $ 5638
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(Dollars in Millions)
Acquired Liberty % of
Bancshares HOMB Pro-forma
(Pro HOMB Loans(2)
Pro-forma Total
Loan Type (3/31/13) (3/31/13) Total Loans
Commercial RE $ 1 206 $ 818 $ 2 024 44 6%
(Non farm/non residential & agri ) 1,206 2,024 44.6%
Construction/Land Development 313 222 535 11.8%
Residential Real Estate 784 492 1,276 28.1%
(1) Commercial & Industrial 298 288 586 12 9% )
Consumer 34 43 77 1.6%
Other 33 12 45 1.0%
Total $ 2,668 $ 1,875 $ 4,543 100%
(1) Includes Agricultural
(2) Before loan discounts
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Year Acquired Bank Acquisition Type Location Assets ($mm)
2010 Old Southern Bank FDIC-assisted Orlando, FL $335
2010 Key West Bank FDIC-assisted Key West, FL $97
2010 Coastal Community Bank FDIC-assisted Panama City, FL $362
2010 Bayside Savings Bank FDIC-assisted Port Saint Joe, FL $63
2010 Wakulla Bank FDIC-assisted Crawfordville, FL $353
2010 Gulf State Community Bank FDIC-assisted Carrabelle, FL $112
2012 Vision Bank Market Panama City, FL $530
2012 Heritage Bank of Florida FDIC-assisted Lutz, FL $225
2012 Premier Bank §363 Bankruptcy Tallahassee, FL $265
2013 Liberty Bancshares, Inc. Market Jonesboro, AR $2,853
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(Pro-forma as of June 2013)
ARKANSAS 92 Branches
South FLORIDA
South FLORIDA
ALABAMA 31 Branches
7 Branches Central
FLORIDA 9 Branches
Branch Locations (151) South FLORIDA
3 Branches FLORIDA
Keys 9 Branches
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(Pro-forma as of June 2013)
Siloam Springs (3)
Fort Smith (4) Bentonville (2) Mountain Home (2)
Gentry Highland Rogers Springdale
Tontitown Fayetteville (2)
Van Buren Clarksville Rector Paragould (3)
Mountain View (2) Batesville (2) Monette
Bay Jonesboro (7) Heber Springs Quitman
Russellville (4) Morrilton (1+Searcy 2+Atkins
Vilonia Greenbrier(2) Dardanelle Beebe (2)
Pottsville Conway (7)
Ward (Mayflower Cabot 5) Jacksonville (3)
Maumelle Sherwood (2)
North Little Rock (5) Little Rock (8)
Bryant Fordyce ARKANSAS Branch Locations (92)
Existing Branch Locations (46)
Liberty Branch Locations (46)
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(As of June 2013)
ALABAMA Daphne Fairhope
Foley Point Clear Foley Elberta
Orange Beach FLORIDA Destin Santa
Rosa Beach Blountstown Quincy Tallahassee (7)
Bristol Southport Bristol Lynn Haven
St, Marks Wewahitchka Crawfordville Panacea
Gulf Shores Pensacola Navarre Panama City Beach (2)
Panama (3) Mexico Beach
Port St. Joe Apalachicola Carrabelle Eastpoint St. George Island
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(As of June 2013)
Destin Santa Rosa Beach Blountstown Quincy Pensacola
Navarre Southport Tallahassee (7) Panama City Beach (2) Bristol
Panama City (3)
Lynn Haven St. Marks Mexico Beach Wewahitchka panacea Crawfordville Port Apalachicola St. Joe Carrabelle East point St: George Island
Longwood Lake Mary Winter Park Clermont Orlando (2)
Lutz Wesley Chapel Tampa
Port Charlotte Punta Gordo
Marco Island
Key Largo Islamorada Marathon (2) Summerland Big Pine Key West (3)
Branch Locations (52)
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Corporate Headquarters
Home BancShares, Inc.
719 Harkrider St., Suite 100
P.O. Box 966
Conway, AR 72033
Financial Information
Brian Davis
Investor Relations Officer
(501) 328-4770
Website
www.homebancshares.com
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NASDAQ: HOMB
www.homebancshares.com