Institution Statistics
| Home Federal Bank | | OTS # | 00057 | | FDIC Certificate # | 27654 | | BankRate Report | View | | Year Established | 1924 | | Employees | 40 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $266.63 million | | Loans | $166.07 million | | Deposits | $191.97 million | | Equity Capital | $44.18 million | | Loan Loss Allowance | $1.33 million | | Unbacked Noncurrent Loans | $84,000 |
Historic Data - March 2011 | | Assets | $209.71 million | | Equity Capital | $41.19 million | | Loan Loss Allowance | $748,000 | | Unbacked Noncurrent Loans | $167,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.15% | | Return on Assets | 1.06% | | Return on Equity | 6.24% | | Interest Income | $3.27 million |
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Institution Health
Overall Score:
5 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 (LA) had $84,000 in non-current loans and owned real-estate with $45.51 million in equity and loan loss allowances on hand to cover it. This gives Home Federal Bank (LA) a Texas Ratio of 0.18% which is excellent. 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 (LA) decreased significantly from 0.40% as of March 31, 2011 to 0.18% as of March 31, 2012, resulting in a positive change of 53.92%.This indicates that the balance sheet and financial strength for Home Federal Bank (LA) has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Home Federal Bank (LA) has increased its total deposits by $49.54 million, resulting in 34.79% 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 (LA) has shown is excellent. | | 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 (LA) has $266.63 million in assets with $45.51 million in equity, resulting in a capitalization level of 17.07%, which is excellent. |
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