48Tangible capital to consolidated assets7

Posegate, Executive Vice President, Chief FinancialOfficer and Treasurer, will recap the company's second quarter for fiscal2009.When:Tuesday, January 27, 2009Conference call:9:00 am CT / 10:00 am ETDial-in Number:1-877-407-8031Call ID:HF Financial Second Quarter Fiscal 2009 Earnings Conference CallWebcast:To listen to a live Webcast of the presentations, go to theInvestor Relations page of the HF Financial website site, http://, and then the Webcast icon.The Webcast replaywill be available from 12 pm CT, Tuesday, January 27, 2009, until 6:00 pm CT,Friday, February 27.Listening to the Webcast requires speakers and WindowsMedia Player.If you do not have Media Player, download the free software at http:// you do not have Internet access and want to listen to an audioreplay, call 1-877-660-6853 using Account : 286, Conference ID : 309735. andHF Financial Group, Inc.As of December 31, 2008, the company had totalassets of $1.2 billion and stockholders' equity of $91.7 million.The companyis the largest publicly traded savings association headquartered in SouthDakota, with 33 offices in 19 communities, which includes a location inMarshall, Minnesota. Internet banking is also available at http:// StatementsThis news release and other reports issued by the company, includingreports filed with the Securities and Exchange Commission, contain "forward-looking statements" that deal with future results, expectations, plans andperformance.In addition, the company's management may make forward-lookingstatements orally to the media, securities analysts, investors or others.These forward-looking statements might include one or more of the following: Projections of income, loss, revenues, earnings or losses per share, dividends, capital expenditures, capital structure, tax benefit or other financial items. Descriptions of plans or objectives of management for future operations, products or services, transactions, investments and use of subordinated debentures payable to trusts. Forecasts of future economic performance. Use and descriptions of assumptions and estimates underlying or relating to such matters.Forward-looking statements can be identified by the fact they do notrelate strictly to historical or current facts.They often include words suchas "optimism," "look-forward," "bright," "pleased," "believe," "expect,""anticipate," "intend," "plan," "estimate" or words of similar meaning, orfuture or conditional verbs such as "will," "would," "should," "could" or"may."Forward-looking statements about the company's expected financial resultsand other plans are subject to certain risks, uncertainties and assumptions.These include, but are not limited to the following: possible legislativechanges and adverse economic, business and competitive conditions anddevelopments (such as shrinking interest margins and continued short-term rateenvironments); deposit outflows; reduced demand for financial services andloan products; changes in accounting policies or guidelines, or in monetaryand fiscal policies of the federal government; changes in credit and otherrisks posed by the company's loan and lease portfolios; the ability orinability of the company to manage interest rate and other risks; unexpectedor continuing claims against the company's self-insured health plan; thecompany's use of trust preferred securities; the ability or inability of thecompany to successfully enter into a definitive agreement for and closeanticipated transactions; technological, computer-related or operationaldifficulties; adverse changes in securities markets; results of litigation; orother significant uncertainties.Forward-looking statements speak only as of the date they are made.Thecompany does not undertake to update forward-looking statements to reflectcircumstances or events that occur after the date the forward-lookingstatements are made.Although the company believes its expectations arereasonable, it can give no assurance that such expectations will prove to becorrect.Based upon changing conditions, should any one or more of theserisks or uncertainties materialize, or should any underlying assumptions proveincorrect, actual results may vary materially from those described in anyforward-looking statements.HF Financial Corp.Selected Consolidated Operating Highlights(Dollars in Thousands, except share data) (Unaudited)Three Months Ended Six Months EndedDecember 31,December 31,2008 2007 2008 2007Interest, dividend and loan fee income: Loans and leasesreceivable $12,646$13,879$25,664$27,999 Investment securities andinterest-earningdeposits 2,9202,2065,7334,07115,566 16,085 31,397 32,070Interest expense: Deposits4,1326,9138,709 14,411 Advances from FederalHome Loan Bank and other borrowings2,4272,1764,9923,995 6,5599,089 13,701 18,406 Net interestincome 9,0076,996 17,696 13,664Provision for losses on loans and leases-295387620 Net interestincome afterprovisionfor losses on loans and leases9,0076,701 17,309 13,044Noninterest income: Fees on deposits1,5181,3553,0692,768 Loan servicing income 5345421,0911,047 Gain on sale of loans,net285439536698 Trust income153249375498 Gain on sale ofsecurities, net 45-125- Other 394381782770 2,9292,9665,9785,781Noninterest expense: Compensation and employeebenefits 5,8284,788 10,9499,231 Occupancy and equipment 1,0129811,9891,918 Foreclosed real estateand other properties,net 96 37213 80 Other 2,2401,9024,4283,623 9,1767,708 17,579 14,852Income before income taxes2,7601,9595,7083,973Income tax expense 9147081,8871,375Net income$1,846 $1,251 $3,821 $2,598 Basic earnings per share: $0.46$0.32$0.96$0.65 Diluted earnings pershare: $0.46$0.31$0.95$0.64 Basic weighted averageshares:4,007,8703,955,3883,989,9623,984,376 Diluted weighted averageshares:4,023,7914,009,0604,019,2804,043,022 Outstanding shares (endof period):4,021,3673,966,3454,021,3673,966,345HF Financial Corp.Selected Consolidated Financial Condition Data(Dollars in Thousands, except share data) (Unaudited) 12/31/2008 6/30/2008 12/31/2007Balance Sheet DataTotal assets $1,173,152$1,103,494$1,020,649Cash and cash equivalents25,88221,17024,042Securities available for sale 254,389 225,004 164,352Loans and leases receivable, net803,156 777,777 754,458Loans held for sale14,027 8,796 5,536In-Market Deposits750,300 756,982 752,815Out-of-Market Deposits 22,61727,25519,081Advances from Federal Home Loan Bank and other borrowings252,769 198,454 130,457Subordinated debentures payable to trusts 27,83727,83727,837Stockholders' equity 91,66064,20364,439Stockholders' equity before OCI (1) to consolidated assets8.21 6.11 6.39 OCI components to consolidated assets: Net changes in unrealizedgain (loss) on securitiesavailablefor sale(0.23)(0.19)(0.02) Net unrealized losses ondefined benefit plan(0.07)(0.08)(0.01) Net unrealized losses onderivatives and hedgingactivities(0.06)(0.01)(0.02)Goodwill to consolidated assets (0.42)(0.45)(0.48)Tangible capital to consolidated assets7.42 5.39 5.86 Book value per common share (2)$16.58$16.25$16.25Tier I (core) capital (3)8.00 7.78 8.39 Risk-based capital (3)11.40 10.83 11.16 Number of full-service offices 333333(1)Accumulated other comprehensive income (loss)(2)Common equity divided by number of shares of outstanding common stock.(3)Capital ratios for Home Federal Bank.HF Financial Corp.Selected Consolidated Financial Condition Data(Dollars in Thousands, Except per Share Data) (Unaudited)Loan and Lease Portfolio CompositionDecember 31, 2008 June 30, 2008AmountPercent AmountPercent (Dollars in Thousands)One-to four-family (1)$92,97211.46 $99,98912.76Commercial business and real estate (2) (3) 307,45837.90 303,41538.72Multi-family real estate 45,912 5.6645,093 5.75Equipment finance leases 18,985 2.3419,288 2.46Consumer direct (4) 112,68813.89 105,71913.49Consumer indirect (5)31,421 3.8744,294 5.65Agricultural191,55623.61 160,26720.45Construction and development 10,297 1.27 5,645 0.72Total Loans and Leases Receivable (6)$811,289 100.00$783,710 100.00(1)Excludes $10,710 and $7,958 loans held for sale at December 31, 2008 and June 30, 2008, respectively.(2)Includes $2,912 and $3,012 tax exempt leases at December 31, 2008 and June 30, 2008, respectively.(3)Excludes $0 and $223 commercial loans held for sale at December 31, 2008 and June 30, 2008, respectively.(4)Excludes $3,318 and $614 student loans held for sale at December 31, 2008 and June 30, 2008, respectively.(5)The Company announced Consumer Indirect originations ceased during the first quarter of Fiscal 2008.(6)Includes deferred loan fees and discounts and undisbursed portion of loans in process.Deposit CompositionDecember 31, 2008 June 30, 2008AmountPercent AmountPercent (Dollars in Thousands)Noninterest bearing checking accounts $88,76211.48 $90,59811.55Interest bearing checking accounts 87,48611.3290,12511.49Money market accounts 155,12320.07 171,68921.89Savings accounts 73,518 9.5178,57510.02In-market certificates of deposit 345,41144.69 325,99541.57Out-of-market certificates of deposit 22,617 2.9327,255 3.48Total Deposits $772,917 100.00$784,237 100.00HF Financial Corp.Selected Consolidated Financial Condition Data(Dollars in Thousands) (Unaudited)Allowance for Loan and Lease Loss Activity Three Months EndedSix Months Ended 12/31/2008 12/31/2007 12/31/2008 12/31/2007Balance, beginning $6,183 $5,493 $5,933 $5,872Provision charged to income -295387620Charge-offs(321)(434)(513)(1,215)Recoveries2,271 702,326147Balance, ending$8,133 $5,424 $8,133 $5,424 12/31/2008 6/30/2008 12/31/2007Asset QualityNonaccruing loans and leases $1,939 $2,324 $1,840Accruing loans and leases delinquent more than 90 days 2,1657811,128Foreclosed assets 370643458Total nonperforming assets $4,474 $3,748 $3,426FAS Statement No. 5 Allowance for loan and lease losses $7,876 $5,803 $5,294FAS Statement No. Hage, Chairman, President and CEO of HF Financial Corp.,1-605-333-7556. TULSA, Okla., Jan.

26 /PRNewswire-FirstCall/ Dollar Thrifty AutomotiveGroup, Inc. (NYSE: DTG), today announced that the New York Stock Exchange (the"NYSE") has determined not to commence delisting proceedings with respect toDollar Thrifty's common stock.Dollar Thrifty previously notified the NYSEthat it had failed to meet the $25 million minimum market capitalizationrequirement for the 30-day period ended December 22, 2008. (Logo: http://)In advising Dollar Thrifty of its decision, the NYSE recognized the overalldecline in trading prices in today's volatile markets.These conditions alsorecently prompted the NYSE to propose a temporary reduction in the minimummarket capitalization requirement to $15 million, which the NYSE expects to beeffective until April 22, 2009."We are pleased that the NYSE has demonstrated some flexibility on theirlisting standards during these exceptional times," said Scott Thompson,President and Chief Executive Officer of Dollar Thrifty.About Dollar Thrifty Automotive Group, Inc.Dollar Thrifty Automotive Group, Inc. Dollar and Thriftyhave over 800 corporate and franchised locations in the United States andCanada, operating in virtually all of the top U.S and Canadian airportmarkets. The Dollar Thrifty's approximately 7,000 employees are located mainlyin North America, but global service capabilities exist through an expandinginternational franchise network. For additional information, visit press release contains "forward-looking statements" about ourexpectations, plans and performance.

Risks and uncertainties that could materially affect futureresults are detailed in the Dollar Thrifty's filings with the Securities andExchange Commission, such as its annual and quarterly reports and currentreports on Form 8-K.SOURCEDollar Thrifty Automotive Group, Inc.Financial, H. Clifford Buster III, Chief Financial Officer, 1-918-669-3277,or Media, Chris Payne, Senior Manager, Corporate Communications,1-918-669-2236, , both of Dollar Thrifty AutomotiveGroup, Inc.. "De'ja vu: Psychology: The illusion of having already experienced something actually being experienced for the first time."In Saban's third season, "it's de'ja vu all over again."Starting the season 6-0 for the second time in a row gives goose bumps to the rabid fan. The Men in Crimson and White have made it halfway through the regular season undefeated. 2007: Review of Saban's First SeasonSeason One with Saban was half as good, starting the march at a 3-0 clip. Getting to the mark took an exciting finish in the last seconds of the game against a tough Arkansas team. The losses were followed up with eked-out wins against the C-USA Houston Cougars at home and Ole Miss on the road.Sitting at 5-2, every game was high anxiety and emotionally draining.Game Eight: Hours before the home game against Tennessee, fans learned that three Alabama starters were ineligible for play against the Volunteers.