Institution Statistics
| Home Federal Savings Bank | | OTS # | 02818 | | FDIC Certificate # | 29042 | | BankRate Report | View | | Year Established | 1934 | | Employees | 197 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $705.99 million | | Loans | $540.65 million | | Deposits | $570.19 million | | Equity Capital | $60.30 million | | Loan Loss Allowance | $21.42 million | | Unbacked Noncurrent Loans | $32.47 million | | Real Estate Owned | $13.59 million |
Historic Data - March 2011 | | Assets | $878.71 million | | Equity Capital | $68.61 million | | Loan Loss Allowance | $16.11 million | | Unbacked Noncurrent Loans | $31.15 million | | Real Estate Owned | $21.47 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.48% | | Return on Assets | 1.62% | | Return on Equity | 20.56% | | Interest Income | $8.26 million |
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Institution Health
Overall Score:
2 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 Savings Bank had $46.06 million in non-current loans and owned real-estate with $81.72 million in equity and loan loss allowances on hand to cover it. This gives Home Federal Savings Bank a Texas Ratio of 56.36% 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 Savings Bank held steady from 61.67% as of March 31, 2011 to 56.36% as of March 31, 2012, resulting in a positive change of 8.61%.This indicates that the balance sheet and financial strength for Home Federal Savings Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Home Federal Savings Bank has decreased its total deposits by -$119.83 million, resulting in -17.37% 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 Savings 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 Savings Bank has $705.99 million in assets with $81.72 million in equity, resulting in a capitalization level of 11.58%, which is above average. |
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