PackageTrendsPeer
Letter portraitLegal landscape

Home Federal Bank

Sioux Falls, SD · Cert 28092

FDIC · 23 branches

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Home Federal Bank

Sioux Falls, SD · Cert 28092

FDIC · 23 branches

Q1 2016

$1.1BAssets
$894.8MLoans
$933.4MDeposits
$129.3MEquity
Loan mix
87%RE $537.0M10%C&I $63.7M3%Consumer $17.1MQ1 2015Q1 2016
Deposit mix
82%Interest-bearing $768.5M18%Noninterest $164.9MQ1 2015Q1 2016

NIM

3.39%Q1 ’143.41%Q1 ’153.80%Q1 ’16+11%+11%

Non-interest income vs. expense

2.80%Q1 ’143.22%Q1 ’152.87%Q1 ’16+28%-7%

Market Position · Sioux Falls, SD · 2015 SOD (annual) · 0.2% share · #6 of 33 inst. · $0.7B of $434.0B

0.2% Minnehaha
3.8% Brown
33.6% Moody
9.0% Hutchinson

Executive Summary

  • Earnings: ROA of 0.92%, up 56 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.94%, up 71 bps from a year ago.
  • Funding: loans stand at 95.86% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.92%+56 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+34 bps YoY

Efficiency Ratio (YTD, annualized)

66.65%-1,051 bps YoY

Tier 1 Leverage Ratio

10.94%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.36%0.58%0.88%0.85%0.92%+56 bps
Return on Equity3.47%5.62%8.39%8.07%8.27%+479 bps
Net Interest Margin3.10%3.23%3.29%3.30%3.45%+34 bps
Efficiency Ratio77.16%73.02%67.16%68.55%66.65%-1,051 bps
Non-Interest Burden2.15%2.05%1.71%1.82%2.01%-15 bps
Growth
Asset Growth (YoY)-9.49%-6.95%-6.77%-7.22%0.31%+981 bps
Loan Growth (YoY)15.57%12.88%10.75%5.71%2.14%-1,343 bps
Deposit Growth (YoY)-1.68%-3.40%-3.90%-0.70%-2.74%-106 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.13%0.11%0.08%0.01%-8 bps
Allowance / Loans1.26%1.22%1.23%1.25%1.30%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.23%10.39%10.62%10.69%10.94%+71 bps
Total Risk-Based Capital13.64%13.29%13.64%13.68%13.90%+26 bps
Equity / Assets10.84%10.48%10.87%10.89%11.34%+50 bps
Liquidity & Funding
Loans / Deposits91.28%94.04%97.63%95.40%95.86%+458 bps
Liquid Assets / Assets1.79%1.72%1.75%1.72%1.77%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a