Institution Statistics
| Home Federal Bank | | OTS # | 01245 | | FDIC Certificate # | 28258 | | BankRate Report | View | | Year Established | 1920 | | Employees | 365 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.16 billion | | Loans | $470.29 million | | Deposits | $989.89 million | | Equity Capital | $150.11 million | | Loan Loss Allowance | $14.37 million | | Unbacked Noncurrent Loans | $36.46 million | | Real Estate Owned | $23.28 million |
Historic Data - September 2010 | | Assets | $1.43 billion | | Equity Capital | $151.19 million | | Loan Loss Allowance | $12.91 million | | Unbacked Noncurrent Loans | $9.69 million | | Real Estate Owned | $30.48 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.13% | | Return on Assets | -0.36% | | Return on Equity | -3.05% | | Interest Income | $40.09 million |
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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 September 30, 2011 Home Federal Bank had $59.74 million in non-current loans and owned real-estate with $164.47 million in equity and loan loss allowances on hand to cover it. This gives Home Federal Bank a Texas Ratio of 36.32% which is below 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 decreased slightly from 55.98% as of September 30, 2010 to 36.32% as of September 30, 2011, resulting in a positive change of 35.12%.This indicates that the balance sheet and financial strength for Home Federal Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Home Federal Bank has decreased its total deposits by -$205.42 million, resulting in -17.19% 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 has shown is poor. | | 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 has $1.16 billion in assets with $164.47 million in equity, resulting in a capitalization level of 14.19%, which is excellent. |
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