Newport Federal Bank

Newport Federal Bank is headquartered in Newport and is the 97^th largest bank in the state of Tennessee. It is also the 3,243^rd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 31 employees at 3 locations. Newport Federal Bank has a 4-star health rating.

Newport Federal Bank Routing Number: 264271617

Data for Q1 2012

Institution Statistics Newport Federal Bank OTS # 02892 FDIC Certificate # 29089 BankRate Report View Year Established 1934 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $190.30 million Loans $103.18 million Deposits $172.07 million Equity Capital $16.37 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $2.45 million Real Estate Owned $1.04 million Historic Data - March 2011 Assets $179.91 million Equity Capital $14.67 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $2.33 million Real Estate Owned $735,000 Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 0.79% Return on Equity 9.2% Interest Income $2.07 million

Institution Health Overall Score: 4 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 Newport Federal Bank had $3.49 million in non-current loans and owned real-estate with $18.34 million in equity and loan loss allowances on hand to cover it. This gives Newport Federal Bank a Texas Ratio of 19.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Newport Federal Bank held steady from 18.66% as of March 31, 2011 to 19.02% as of March 31, 2012, resulting in a negative change of 1.92%. This indicates that the balance sheet and financial strength for Newport Federal Bank has held steady in recent periods. Deposit Growth In the past year, Newport Federal Bank has increased its total deposits by $8.9 million, resulting in 5.45% 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 Newport Federal Bank has shown is excellent. 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. Newport Federal Bank has $190.3 million in assets with $18.34 million in equity, resulting in a capitalization level of 9.64%, which is average.

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