Home Bancorp Announces 2009 Fourth Quarter and Annual Results

LAFAYETTE, La., Jan. 27 /PRNewswire-FirstCall/ -- Home Bancorp, Inc. (Nasdaq: HBCP) (the "Company"), the holding company for Home Bank (www.home24bank.com), a Federally chartered savings bank headquartered in Lafayette, Louisiana (the "Bank"), announced net income of $4.7 million for 2009, an increase of $2.0 million, or 72%, compared to 2008.  Net income for the fourth quarter of 2009 was $22,000, an increase of $821,000, or 103%, compared to the fourth quarter of 2008.  

"During 2009, Home Bank remained focused on growing our commercial loan portfolio and core deposit base," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "I am pleased with the strong growth we achieved in both areas.  I am especially pleased we were able to grow commercial loans while maintaining exceptional loan quality."

Baton Rouge Expansion Proceeds

Home Bank began construction on its third full-service branch in Baton Rouge during the third quarter of 2009.  The new branch, which is expected to open in March 2010, will serve as the Bank's Baton Rouge headquarters.  

"We are very excited about the upcoming opening of our Baton Rouge headquarters location," added Mr. Bordelon.  "Our recruiting success over the past two years has allowed us to quickly gain traction in this market.  As our new Baton Rouge customers have already discovered, we offer an extraordinary alternative to the large, out-of-state banks that have dominated the area."

Loans

Loans totaled $336.6 million at December 31, 2009, an increase of $1.1 million, or 0.3%, from December 31, 2008, and a decrease of $3.6 million, or 1%, from September 30, 2009.  The Company's loan mix continued to change in 2009 as commercial loan balances increased, while one-to four- family mortgage loan balances decreased. The following table sets forth the composition of the Company's loan portfolio as of the dates indicated.  











December 31,

December 31,

Increase (Decrease)

(dollars in thousands)

2009

2008

Amount

Percent

Real estate loans:





    One- to four-family first mortgage

$ 120,044   

$ 138,173   

$(18,129)  

(13)%

    Home equity loans and lines

24,678   

23,127   

1,551   

7   

    Commercial real estate

97,513   

84,096   

13,417   

16   

    Construction and land

35,364   

35,399   

(35)  

-   

    Multi-family residential

4,089   

7,142   

(3,053)  

(43)  

       Total real estate loans

281,688   

287,937   

(6,249)  

(2)  

Other loans:





    Commercial

38,340   

34,434   

3,906   

11   

    Consumer

16,619   

13,197   

3,422   

26   

       Total other loans

54,959   

47,631   

7,328   

15   

       Total loans

$ 336,647   

$ 335,568   

$    1,079   

-   





Commercial real estate loan growth during 2009 was primarily driven by loans on owner-occupied office buildings in the Bank's market areas.  Non-real-estate commercial loan growth in 2009 relates primarily to equipment and accounts receivable financing provided to businesses in the Bank's market areas.  Consumer loan growth in 2009 relates primarily to mobile home loans.  One- to four-family first mortgage loans paid down during the year as customers took advantage of attractive refinance rates.  The Company sells the majority of its conforming mortgage loan originations in the secondary market and recognizes the associated fee income rather than assume the interest rate risk associated with these longer term assets.  

Net loan charge-offs for 2009 were $119,000, or 0.04%, of average loans, compared to $167,000, or 0.05%, of average loans in 2008.  Non-performing assets totaled $1.7 million, or 0.32% of total assets at December 31, 2009, compared to $1.5 million and $2.7 million at December 31, 2008 and September 30, 2009, respectively.  The Company recorded a $156,000 provision for loan losses during the fourth quarter of 2009, compared to $298,000 during the fourth quarter of 2008 and $287,000 in the third quarter of 2009.  

As of December 31, 2009, the allowance for loan losses as a percentage of total loans was 1.00%, compared to 0.78% at December 31, 2008 and 0.96% at September 30, 2009.

Investment Securities Portfolio

The Company's investment securities portfolio totaled $119.9 million at December 31, 2009, an increase of $1.5 million, or 1%, from December 31, 2008, and an increase of $3.4 million, or 3%, from September 30, 2009.  At December 31, 2009, the Company had a net unrealized loss position on its investment securities portfolio of $133,000, compared to net unrealized losses of $8.0 million and $2.7 million at December 31, 2008 and September 30, 2009, respectively.  The unrealized loss relates primarily to the Company's non-agency mortgage-backed securities holdings, which amounted to $39.7 million, or 8% of total assets at December 31, 2009.  

Due to increasing delinquencies and defaults in the mortgage loans underlying certain non-agency mortgage-backed securities we own, the Company recorded other-than-temporary impairment ("OTTI") charges of $1.9 million and $2.8 million during the fourth quarters of 2009 and 2008, respectively.  Based on management's review of the remaining investment portfolio, no other declines in the market value of the Company's investment securities are deemed to be other than temporary at December 31, 2009.  The amortized cost of this portfolio decreased from $51.1 million at December 31, 2008 to $39.7 million at December 31, 2009 primarily as a result of principal paydowns and the $1.9 million OTTI charge.    

The following table summarizes the Company's non-agency mortgage-backed securities portfolio as of December 31, 2009 (dollars in thousands).  










Collateral

Tranche

S&P Rating

Amortized

Cost

Unrealized

Gain/(Loss)

Prime

Super senior

AAA

$  10,189 

$        130 

Prime

Senior

AAA (1)

18,743 

(1,462)

Prime

Senior

Below investment grade

3,113 

Prime

Senior support

Below investment grade

2,719 

(545)

Alt -A

Super senior

Below investment grade

2,202 

Alt-A

Senior

AAA

771 

23 

Alt-A

Senior

Below investment grade (2)

1,774 

Alt-A

Senior support

Below investment grade

196 

Total non-agency mortgage-backed securities

$  39,707 

$ (1,854)

(1) Includes one security with an amortized cost of $1.9 million and an unrealized loss of $56,000 not rated

     by S&P.  This security is rated "Aaa" by Moody's.

(2) This security is not rated by S&P.  This security is rated "Caa2" by Moody's.  




The Company holds no Federal National Mortgage Association (Fannie Mae) or Federal Home Loan Mortgage Corporation (Freddie Mac) preferred stock, equity securities, corporate bonds, trust preferred securities, hedge fund investments, collateralized debt obligations or structured investment vehicles.

Cash Invested at Other ATM Locations

During 2009, the Bank elected to terminate contracts with various counterparties to provide cash for counterparty ATMs.  As a result, all remaining cash invested at other ATM locations was returned to the Bank during the fourth quarter.  The balance of cash invested at other ATM locations totaled $24.2 million at December 31, 2008 and $8.8 million at September 30, 2009.    

Deposits

Deposits totaled $371.6 million at December 31, 2009, an increase of $17.4 million, or 5%, from December 31, 2008, and a decrease of $5.0 million, or 1%, from September 30, 2009.  The Company remains focused on growing its core deposit base (i.e., checking, savings and money market accounts), which increased $19.3 million, or 10%, during 2009.  

The following table sets forth the composition of the Company's deposits as of the dates indicated.









December 31,

December 31,

Increase (Decrease)

(dollars in thousands)

2009

2008

Amount

Percent






Demand deposit

$   66,956   

$   67,047   

$      (91)  

- %

Savings

21,009   

19,741   

1,268   

6   

Money market

80,810   

68,850   

11,960   

17   

NOW

48,384   

42,200   

6,184   

15   

Certificates of deposit

154,434   

156,307   

(1,873)  

(1)  

       Total deposits

$ 371,593   

$ 354,145   

$ 17,448   

5%





Net Interest Income

Net interest income for the fourth quarter of 2009 totaled $5.5 million, a decrease of $83,000, or 2%, compared to the fourth quarter of 2008.  Net interest income for 2009 totaled $23.6 million, an increase of $4.9 million, or 26%, compared to 2008.   The Company's net interest margin was 4.40% for the fourth quarter of 2009, 21 basis points lower than the same quarter a year ago and 43 basis points lower than the third quarter of 2009.  

Average interest-earning assets totaled $496.5 million for the quarter ended December 31, 2009, an increase of 3% and a decrease of 1% compared to the quarters ended December 31, 2008 and September 30, 2009, respectively.  The average yield on interest-earning assets for the quarter ended December 31, 2009 was 5.60%, a decrease of 46 and 49 basis points compared to the quarters ended December 31, 2008 and September 30, 2009, respectively.  The average yield on interest-earning assets has decreased primarily due to lower yields earned on the investment portfolio and the Company's relatively high cash position during the fourth quarter of 2009.

Average interest-bearing liabilities totaled $327.9 million for the quarter ended December 31, 2009, an increase of 6% and a decrease of 0.2% compared to the quarters ended December 31, 2008 and September 30, 2009, respectively. The average rate paid on interest-bearing liabilities for the quarter ended December 31, 2009 was 1.79%, a decrease of 45 and 9 basis points compared to the quarters ended December 31, 2008 and September 30, 2009, respectively.  The average rate paid on interest-bearing liabilities decreased primarily due to lower market rates.

Noninterest Income

Noninterest income includes the impact of OTTI charges of $1.9 million and $2.8 million for the fourth quarters of 2009 and 2008, respectively.  Excluding the impact of OTTI charges, noninterest income for the fourth quarter of 2009 was $1.1 million, an increase of $256,000, or 31%, compared to the same quarter a year ago.  Excluding the impact of OTTI charges, noninterest income for 2009 totaled $4.0 million, an increase of $759,000, or 24%, compared to 2008.  The primary reasons for the non-GAAP (generally accepted accounting principles) increases in noninterest income compared to the same periods last year were higher levels of service fees and charges and gains on the sale of mortgage loans.  

Noninterest income for the fourth quarter of 2009 on a GAAP basis was a negative $813,000, compared to a negative $2.0 million for the same quarter a year ago.  Noninterest income for 2009 on a GAAP basis totaled $2.1 million, an increase of $1.7 million, or 428%, compared to 2008.  

The following table sets forth a reconciliation of reported noninterest income to non-GAAP basis noninterest income.









For the Three Months

Ended December 31,

For the Year Ended

December 31,

(dollars in thousands)

2009

2008

2009

2008






Reported noninterest income

$   (813)

$ (2,013)

$ 2,102 

$    398 

Add: OTTI charge

1,888 

2,833 

1,888 

2,833 

Non-GAAP noninterest income

$ 1,075 

$     820 

$ 3,990 

$ 3,231 





Noninterest Expense

Noninterest expense for the fourth quarter of 2009 totaled $4.5 million, a decrease of $231,000, or 5%, compared to the fourth quarter of 2008.  Noninterest expense for 2009 totaled $17.8 million, an increase of $3.1 million, or 21%, from 2008.  The fourth quarter of 2008 includes an $867,000 charge related to a shortfall in cash invested at other ATM locations.  Excluding the ATM charge, noninterest expense increased $636,000, or 17%, for the fourth quarter of 2009 compared to the same quarter a year ago and $3.9 million, or 28%, for 2009 compared to 2008.

The primary reason for the increase in noninterest expense from 2008 to 2009 was higher compensation and benefits expense. Compensation and benefits expense has increased primarily due to three factors:  1) the Bank's expansion into Baton Rouge, where two full-service banking offices were opened during the second half of 2008; 2) the employee stock ownership plan ("ESOP"), which commenced during the fourth quarter of 2008; and 3) award grants under the stock option and recognition and retention plans approved by the Company's shareholders in May 2009.  Other increases in noninterest expense were the result of higher professional and other fees due to the increased cost of operating as a public company, including the Louisiana bank shares tax.  Also, the FDIC increased the base insurance premium assessment on deposits in addition to its special assessment of $200,000 in 2009.  

The following table sets forth a reconciliation of reported noninterest expense to non-GAAP basis noninterest expense.









For the Three Months

Ended December 31,

For the Year Ended

December 31,

(dollars in thousands)

2009

2008

2009

2008






Reported noninterest expense

$ 4,491 

$ 4,722 

$ 17,808 

$ 14,735 

Less: ATM charge

(867)

(867)

Non-GAAP noninterest expense

$ 4,491 

$ 3,855 

$ 17,808 

$ 13,868 





This news release contains financial information determined by methods other than in accordance with generally accepted accounting principles ("GAAP"). The Company's management uses this non-GAAP financial information in its analysis of the Company's performance. In this news release, information is included which excludes the impact of charges for the other-than-temporary impairment of investment securities and a shortage in cash invested at other ATM locations.  Management believes the presentation of this non-GAAP financial information provides useful information that may be helpful in understanding the Company's operating results. This non-GAAP financial information should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP financial information presented by other companies.

This news release contains certain forwardlooking statements. Forwardlooking statements can be identified by the fact that they do not relate strictly to historical or current facts.  They often include the words "believe," "expect," "anticipate," "intend," "plan," "estimate" or words of similar meaning, or future or conditional verbs such as "will," "would," "should," "could" or "may."

Forwardlooking statements, by their nature, are subject to risks and uncertainties.  A number of factors many of which are beyond our control could cause actual conditions, events or results to differ significantly from those described in the forwardlooking statements.  Home Bancorp's Annual Report on Form 10-K for the year ended December 31, 2008, describes some of these factors, including risk elements in the loan portfolio, the level of the allowance for losses on loans, risks of our growth strategy, geographic concentration of our business, dependence on our management team, risks of market rates of interest and of regulation on our business and risks of competition. Forwardlooking statements speak only as of the date they are made.  We do not undertake to update forwardlooking statements to reflect circumstances or events that occur after the date the forwardlooking statements are made or to reflect the occurrence of unanticipated events.




HOME BANCORP, INC. AND SUBSIDIARY

CONDENSED STATEMENTS OF FINANCIAL CONDITION

AND RELATED INFORMATION











December 31,


December 31,


%



September 30,


2009


2008


Change



2009

Assets









Cash and cash equivalents

$   25,709,597   


$   20,150,248   


28   

%


$   37,352,620   

Interest-bearing deposits in banks

3,529,000   


1,685,000   


109   



3,150,000   

Cash invested at other ATM locations

-   


24,243,780   


-   



8,802,596   

Securities available for sale, at fair value

106,752,131   


114,235,261   


(7)  



105,049,877   

Securities held to maturity

13,098,847   


4,089,466   


220   



11,372,044   

Mortgage loans held for sale

719,350   


996,600   


(28)  



2,060,453   

Loans, net of unearned income

336,647,292   


335,568,071   


-   



340,222,334   

Allowance for loan losses

(3,351,688)  


(2,605,889)  


29   



(3,271,926)  

Loans, net

333,295,604   


332,962,182   


-   



336,950,408   

Office properties and equipment, net

16,186,690   


15,325,997   


6   



15,309,879   

Cash surrender value of bank-owned life insurance

15,262,645   


5,268,817   


190   



5,461,662   

Accrued interest receivable and other assets

10,081,885   


9,439,637   


7   



7,900,029   

Total Assets

$ 524,635,749   


$ 528,396,988   


(1)  

%


$ 533,409,568   



















Liabilities









Deposits

$ 371,592,747   


$ 354,145,105   


5   

%


$ 376,635,513   

Federal Home Loan Bank advances

16,773,802   


44,420,795   


(62)  



19,879,026   

Accrued interest payable and other liabilities

3,519,896   


2,868,362   


23   



4,302,342   

Total Liabilities

391,886,445   


401,434,262   


(2)  



400,816,881   










Shareholders' Equity









Common stock

$          89,270   


$          89,270   


-   

%


$          89,270   

Additional paid-in capital

88,072,884   


87,182,281   


1   



87,714,515   

Treasury stock

(1,848,862)  


-   


-   



-   

Common stock acquired by benefit plans

(10,913,470)  


(7,052,230)  


55   



(10,841,597)  

Retained earnings

57,437,444   


52,055,071   


10   



57,415,818   

Accumulated other comprehensive loss

(87,962)  


(5,311,666)  


98   



(1,785,319)  

Total Shareholders' Equity

132,749,304   


126,962,726   


5   



132,592,687   

Total Liabilities and Shareholders' Equity

$ 524,635,749   


$ 528,396,988   


(1)  

%


$ 533,409,568   







HOME BANCORP, INC. AND SUBSIDIARY

CONDENSED STATEMENTS OF INCOME

AND RELATED INFORMATION














For The Three Months Ended





For The Year Ended





December 31,


%



December 31,


%



2009

2008


Change



2009

2008


Change


Interest Income












Loans, including fees

$   5,586,544   

$   5,534,213   


1   

%


$ 22,321,209   

$ 21,790,163   


2   

%

Investment securities

1,357,827   

1,478,963   


(8)  



6,569,756   

4,283,960   


53   


Other investments and deposits

45,342   

317,715   


(86)  



1,005,353   

1,354,627   


(26)  


Total interest income

6,989,713   

7,330,891   


(5)  



29,896,318   

27,428,750   


9   














Interest Expense












Deposits

1,309,249   

1,575,505   


(17)  

%


5,529,181   

7,903,313   


(30)  

%

Federal Home Loan Bank advances

168,156   

160,495   


5   



807,499   

843,937   


(4)  


Total interest expense

1,477,405   

1,736,000   


(15)  



6,336,680   

8,747,250   


(28)  


Net interest income

5,512,308   

5,594,891   


(2)  



23,559,638   

18,681,500   


26   


Provision for loan losses

155,670   

297,775   


(48)  



864,880   

459,212   


88   


Net interest income after provision for loan losses

5,356,638   

5,297,116   


1   



22,694,758   

18,222,288   


25   



.






.





Noninterest Income












Service fees and charges

478,977   

412,763   


16   

%


1,849,746   

1,668,757   


11   

%

Bank card fees

269,176   

250,911   


7   



1,089,811   

933,788   


17   


Gain on sale of loans, net

190,511   

61,903   


208   



610,952   

254,456   


140   


Income from bank-owned life insurance

99,280   

67,345   


47   



292,125   

262,202   


11   


Net gain (loss) on sale of real estate owned, net

18,873   

(12,448)  


252   



18,873   

(23,727)  


180   


Other-than-temporary impairment of securities

(1,888,381)  

(2,832,920)  


33   



(1,888,381)  

(2,832,920)  


33   


Other income

18,453   

39,141   


(53)  



128,733   

135,617   


(5)  


Total noninterest income

(813,111)  

(2,013,305)  


60   



2,101,859   

398,173   


428   














Noninterest Expense












Compensation and benefits

3,038,901   

2,378,386   


28   

%


10,827,537   

8,834,026   


23   

%

Occupancy

324,609   

320,589   


1   



1,296,592   

1,207,675   


7   


Marketing and advertising

180,479   

198,147   


(9)  



633,530   

607,550   


4   


Data processing and communication

353,406   

352,752   


-   



1,402,290   

1,370,101   


2   


Professional fees

167,499   

175,208   


(4)  



896,552   

410,377   


118   


ATM losses

-   

867,389   


-   



-   

867,389   


-   


Franchise and shares taxes

(69,061)  

-   


-   



609,689   

-   


-   


Regulatory fees

105,580   

41,409   


155   



596,305   

154,407   


286   


Other expenses

389,340   

388,117   


-   



1,545,253   

1,283,492   


20   


Total noninterest expense

4,490,753   

4,721,997   


(5)  



17,807,748   

14,735,017   


21   


Income (loss) before income tax expense (benefit)

52,774   

(1,438,186)  


104   



6,988,869   

3,885,444   


80   


Income tax expense (benefit)

31,148   

(639,089)  


105   



2,309,268   

1,169,852   


97   


Net income (loss)

$        21,626   

$     (799,097)  


103   

%


$   4,679,601   

$   2,715,592   


72   

%













Earnings (loss) per share - basic

$                -   

$           (0.10)  


-   



$            0.58   

$            1.32   

(1)  



Earnings (loss) per share - diluted

$                -   

$           (0.10)  


-   



$            0.58   

$            1.32   

(1)  



























(1) Basic weighted average common shares outstanding totaled 8,031,317 and 2,053,925 for the years ended December 31, 2009 and 2008, respectively.  Diluted weighted

     average common shares outstanding totaled 8,052,087 and 2,053,925 for the same periods. The Company completed its initial public offering of common stock in October

     2008. Hence, the weighted average common shares outstanding during 2008 is lower than it would have been had the shares been outstanding for a full year.







HOME BANCORP, INC. AND SUBSIDIARY

SUMMARY FINANCIAL INFORMATION


























For The Three Months Ended





For The Three  





December 31,


%  



Months Ended


%  



2009


2008


Change



September 30, 2009


Change


(dollars in thousands except per share data)












EARNINGS DATA












Total interest income

$            6,990   


$            7,331   


(5)  



$                       7,636   


(8)  

%

Total interest expense

1,478   


1,736   


(15)  



1,558   


(5)  


Net interest income

5,512   


5,595   


(2)  



6,078   


(9)  


Provision for loan losses

156   


298   


(48)  



287   


(46)  


Total noninterest income

(813)  


(2,013)  


60   



949   


(186)  


Total noninterest expense

4,490   


4,722   


(5)  



4,669   


(4)  


Income tax expense (benefit)

31   


(639)  


105   



574   


(95)  


Net income (loss)

$                 22   


$              (799)  


103   



$                       1,497   


(99)  














Earnings (loss) per share - diluted

$                    -   


$             (0.10)  


-   



$                         0.17   


-   














AVERAGE BALANCE SHEET DATA












Total assets

$        530,914   


$        502,886   


6   

%


$                   529,462   


-   

%

Total interest-earning assets

496,500   


482,702   


3   



499,469   


(1)  


Loans

340,937   


329,145   


4   



343,618   


(1)  


Interest-bearing deposits

309,012   


284,154   


9   



307,660   


-   


Interest-bearing liabilities

327,872   


308,045   


6   



328,469   


-   


Total deposits

375,236   


367,935   


2   



373,430   


-   


Total shareholders' equity

132,495   


106,814   


24   



131,643   


1   














SELECTED RATIOS (1)












Return on average assets

0.02   

%

(0.64)  

%

103   

%


1.13   

%

(98)  

%

Return on average total equity

0.07   


(2.99)  


102   



4.55   


(98)  


Efficiency ratio (2)

95.56   


131.84   


(28)  



66.43   


44   


Average shareholders' equity to average assets

24.96   


21.24   


18   



24.86   


-   


Core capital ratio (3) (4)

20.24   


19.10   


6   



19.86   


2   


Net interest margin (5)

4.40   


4.61   


(5)  



4.83   


(9)  



























December 31,


December 31,


%



September 30,


%



2009


2008


Change



2009


Change


ASSET QUALITY (3) (6)












Nonaccrual loans

$            1,279   


$            1,427   


(10)  

%


$                       2,716   


(53)  

%

Accruing loans past due 90 days and over

-   


-   


-   



-   


-   


Total nonperforming loans

1,279   


1,427   


(10)  



2,716   


(53)  


Other real estate owned

417   


37   


1,027   



-   


-   


Total nonperforming assets

$            1,696   


$            1,464   


16   



$                       2,716   


(38)  














Nonperforming assets to total assets

0.32   

%

0.28   

%

14   

%


0.51   

%

(37)  

%

Nonperforming loans to total assets

0.24   


0.27   


(11)  



0.51   


(53)  


Nonperforming loans to total loans

0.38   


0.43   


(12)  



0.80   


(53)  


Allowance for loan losses to nonperforming assets

197.7   


178.0   


11   



120.5   


64   


Allowance for loan losses to nonperforming loans

262.2   


182.6   


44   



120.5   


118   


Allowance for loan losses to total loans

1.00   


0.78   


28   



0.96   


4   














Year-to-date loan charge-offs

$               141   


$               212   


(33)  

%


$                            58   


143   

%

Year-to-date loan recoveries

22   


45   


(51)  



15   


47   


Year-to-date net loan charge-offs

119   


167   


(29)  



43   


177   


Annualized YTD net loan charge-offs to total loans

0.04   

%

0.05   

%

(20)  

%


0.02   

%

100   

%

























(1)  With the exception of end-of-period ratios, all ratios are based on average monthly balances during the respective periods.

(2)  The efficiency ratio represents noninterest expense as a percentage of total revenues.  Total revenues is the sum of net

       interest income and noninterest income.

(3)  Asset quality and capital ratios are end of period ratios.

(4)  Capital ratios are for Home Bank only.

(5)  Net interest margin represents net interest income as a percentage of average interest-earning assets.

(6)  Nonperforming loans consist of nonaccruing loans and loans 90 days or more past due.  Nonperforming assets consist of

      nonperforming loans and repossessed assets.  It is our policy to cease accruing interest on all loans 90 days or more past

      due.  Repossessed assets consist of assets acquired through foreclosure or acceptance of title in-lieu of foreclosure.




SOURCE Home Bancorp, Inc.



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