Home Federal Bank of Tennessee

Home Federal Bank of Tennessee Locations

515 Market Street
Knoxville, TN 37901
(865) 544-3995
www.homefederalbanktn.com

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Home Federal Bank of Tennessee is headquartered in Knoxville and is the 4^th largest bank in the state of Tennessee. It is also the 341^st largest bank in the nation. It was established in 1936 and as of March of 2012, it had grown to 425 employees at 23 locations. Home Federal Bank of Tennessee has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Home Federal Bank of Tennessee Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	NOW Account
0.15%	-	-	Over 55 Checking Account

Home Federal Bank of Tennessee Savings Account Rates

Apy	Min	Max	Product
0.50%	$100k	-	Health Savings Account
0.40%	-	-	Christmas Club Account
0.40%	$50	-	STMT Savings Account
0.40%	$100k	-	HomePlus Platinum Account
0.40%	$100k	-	HomePlus Diamond Account

Home Federal Bank of Tennessee Money Market Rates

Apy	Min	Max	Product
0.50%	$1m	-	Money Market Account
0.50%	$1m	-	IRA Money Market Account

Home Federal Bank of Tennessee CD Rates

Apy	Min	Max	Product
1.25%	$500	-	4 Year Interest Credited Monthly CD
1.25%	$500	-	5 Year Interest Credited Monthly CD
1.00%	$500	-	3 Year Interest Credited Monthly CD
0.75%	$500	-	2 Year Interest Credited Monthly CD
0.50%	$500	-	18 Month Interest Credited Monthly CD
0.50%	$500	-	1 Year Interest Credited Monthly CD
0.50%	$100k	-	270 - 365 Day Jumbo CD
0.50%	$500	-	18 Month Interest Credited at Maturity CD
0.40%	$500	-	3 Month Interest Credited Monthly CD
0.40%	$500	-	6 Month Interest Credited Monthly CD
0.40%	$500	-	9 Month Interest Credited Monthly CD
0.40%	$100k	-	14 - 59 Day Jumbo CD
0.40%	$100k	-	60 - 89 Day Jumbo CD
0.40%	$100k	-	90 - 179 Day Jumbo CD
0.40%	$100k	-	180 - 269 Day Jumbo CD
0.40%	$500	-	3 Month Interest Credited at Maturity CD
0.40%	$500	-	6 Month Interest Credited at Maturity CD

Home Federal Bank of Tennessee IRA Rates

Apy	Min	Max	Product
1.25%	-	-	4 Year IRA
1.25%	-	-	5 Year IRA
1.25%	-	-	4 Year Roth IRA
1.25%	-	-	5 Year Roth IRA
1.25%	-	-	4 Year Education IRA
1.25%	-	-	5 Year Education IRA
1.00%	-	-	3 Year IRA
1.00%	-	-	3 Year Roth IRA
1.00%	-	-	3 Year Education IRA
0.75%	-	-	2 Year IRA
0.75%	-	-	2 Year Roth IRA
0.75%	-	-	2 Year Education IRA
0.50%	-	-	18 Month IRA
0.50%	-	-	1 Year IRA
0.50%	-	-	1 Year Roth IRA
0.50%	-	-	18 Month Roth IRA
0.50%	-	-	1 Year Education IRA
0.50%	-	-	18 Month Education IRA
0.40%	-	-	3 Month IRA
0.40%	-	-	6 Month IRA
0.40%	-	-	9 Month IRA
0.40%	-	-	3 Month Roth IRA
0.40%	-	-	6 Month Roth IRA
0.40%	-	-	9 Month Roth IRA
0.40%	-	-	3 Month Education IRA
0.40%	-	-	6 Month Education IRA
0.40%	-	-	9 Month Education IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Home Federal Bank of Tennessee
OTS #	03879
FDIC Certificate #	29683
BankRate Report	View
Year Established	1936
Employees	425
Primary Regulator	OCC
Assets and Liabilities
Assets	$2.06 billion
Loans	$857.51 million
Deposits	$1.65 billion
Equity Capital	$320.49 million
Loan Loss Allowance	$7.08 million
Unbacked Noncurrent Loans	$16.80 million
Real Estate Owned	$2.30 million
Historic Data - March 2011
Assets	$2.02 billion
Equity Capital	$310.16 million
Loan Loss Allowance	$5.91 million
Unbacked Noncurrent Loans	$20.20 million
Real Estate Owned	$4.59 million
Profit Margin - Quarterly
Net Interest Margin	2.85%
Return on Assets	0.65%
Return on Equity	4.16%
Interest Income	$16.98 million

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 of Tennessee had $19.1 million in non-current loans and owned real-estate with $327.58 million in equity and loan loss allowances on hand to cover it. This gives Home Federal Bank of Tennessee a Texas Ratio of 5.83% 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 of Tennessee decreased slightly from 7.84% as of March 31, 2011 to 5.83% as of March 31, 2012, resulting in a positive change of 25.63%.This indicates that the balance sheet and financial strength for Home Federal Bank of Tennessee has improved slightly in recent periods.
Deposit Growth
In the past year, Home Federal Bank of Tennessee has increased its total deposits by $24.81 million, resulting in 1.53% 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 of Tennessee has shown is above 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 of Tennessee has $2.06 billion in assets with $327.58 million in equity, resulting in a capitalization level of 15.94%, which is excellent.

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