Home Federal

Independently Rated &
Recommended by Bauer Financial
5 Stars, July 2009

Statement of Condition as of September 30, 2008

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ASSETS
Mortgage Loans	$111,649,653
Cash on Hand and in Bank	$2,200,217
U.S. Government and Other securities	$101,766,752
Office Properties and Equipment	$5,714,539
Real Estate Owned	$112,744
Federal Home Loan Bank	$1,834,000
Other Assets	$8,210,582
TOTAL ASSETS	$231,488,487

LIABILITIES
Savings Capital	$179,119,176
Other Liabilities	$28,753,787
TOTAL LIABILITIES	$207,872,963

EQUITY CAPITAL
General Reserves	$3,522,000
Surplus	$20,093,524
TOTAL GENERAL RESERVES AND SURPLUS	$23,615,524

TOTAL LIABILITIES AND EQUITY CAPITAL

$231,488,487

This statement has been prepared in accordance with the regulatory requirements of the Office of Thrift Supervision (OTS). Home Federal S&L meets all capital requirements as follows: Tier 1 Leverage Capital was $23,697,000 exceeding the required 4% of assets; Risk-Based Capital was $23,463,000 exceeding the required 8% of risk-adjusted assets. Regulatory capital is a basis by which the OTS determines whether a savings association is operating in a safe and sound maner.

Main Office: 1500 Carter Avenue, Ashland, Kentucky - Phone: 606-324-7196
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