Home Federal Bank Corporation

Home Federal Bank Corporation is headquartered in Middlesboro and is the 43^rd largest bank in the state of Kentucky. It is also the 1,884^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 94 employees at 6 locations. Home Federal Bank Corporation has a 3-star health rating.

Data for Q1 2012

Institution Statistics Home Federal Bank Corporation FDIC Certificate # 31236 BankRate Report View Year Established 1920 Employees 94 Primary Regulator FDIC Assets and Liabilities Assets $350.06 million Loans $239.47 million Deposits $269.75 million Equity Capital $33.18 million Loan Loss Allowance $2.88 million Unbacked Noncurrent Loans $6.56 million Real Estate Owned $3.28 million Historic Data - March 2011 Assets $348.36 million Equity Capital $32.30 million Loan Loss Allowance $2.94 million Unbacked Noncurrent Loans $3.05 million Real Estate Owned $2.68 million Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 0.57% Return on Equity 6% Interest Income $4.21 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Home Federal Bank Corporation had $9.83 million in non-current loans and owned real-estate with $36.06 million in equity and loan loss allowances on hand to cover it. This gives Home Federal Bank Corporation a Texas Ratio of 27.27% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Home Federal Bank Corporation increased slightly from 16.28% as of March 31, 2011 to 27.27% as of March 31, 2012, resulting in a negative change of 67.55%. This indicates that the balance sheet and financial strength for Home Federal Bank Corporation has declined slightly in recent periods. Deposit Growth In the past year, Home Federal Bank Corporation has increased its total deposits by $1.87 million, resulting in 0.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home Federal Bank Corporation has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home Federal Bank Corporation has $350.06 million in assets with $36.06 million in equity, resulting in a capitalization level of 10.30%, which is above average.

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