Home Federal Bank (SD)

Home Federal Bank (SD) is headquartered in Sioux Falls and is the 6^th largest bank in the state of South Dakota. It is also the 553^rd largest bank in the nation. It was established in 1929 and as of March of 2012, it had grown to 301 employees at 34 locations. Home Federal Bank (SD) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Home Federal Bank OTS # 00887 FDIC Certificate # 28092 BankRate Report View Year Established 1929 Employees 301 Primary Regulator OCC Assets and Liabilities Assets $1.19 billion Loans $709.04 million Deposits $916.10 million Equity Capital $118.98 million Loan Loss Allowance $10.54 million Unbacked Noncurrent Loans $21.87 million Real Estate Owned $2.59 million Historic Data - March 2011 Assets $1.20 billion Equity Capital $114.99 million Loan Loss Allowance $8.53 million Unbacked Noncurrent Loans $32.80 million Real Estate Owned $615,000 Profit Margin - Quarterly Net Interest Margin 2.98% Return on Assets 0.6% Return on Equity 6.08% Interest Income $11.02 million

Institution Health Overall Score: 4 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 (SD) had $24.46 million in non-current loans and owned real-estate with $129.52 million in equity and loan loss allowances on hand to cover it. This gives Home Federal Bank (SD) a Texas Ratio of 18.89% 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 (SD) decreased slightly from 27.75% as of March 31, 2011 to 18.89% as of March 31, 2012, resulting in a positive change of 31.93%.This indicates that the balance sheet and financial strength for Home Federal Bank (SD) has improved slightly in recent periods. Deposit Growth In the past year, Home Federal Bank (SD) has increased its total deposits by $776,000, resulting in 0.08% 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 (SD) 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 (SD) has $1.19 billion in assets with $129.52 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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