Newton County Bank

Newton County Bank is headquartered in Newton and is the 55^th largest bank in the state of Mississippi. It is also the 3,741^st largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 44 employees at 6 locations. Newton County Bank has a 5-star health rating.

Newton County Bank Routing Number: 065304369

Data for Q1 2012

Institution Statistics Newton County Bank FDIC Certificate # 9367 BankRate Report View Year Established 1912 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $157.70 million Loans $93.63 million Deposits $135.25 million Equity Capital $19.60 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $613,000 Real Estate Owned $166,000 Historic Data - March 2011 Assets $153.87 million Equity Capital $17.83 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $768,000 Real Estate Owned $99,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.53% Return on Equity 12.48% Interest Income $1.69 million

Institution Health Overall Score: 5 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 Newton County Bank had $779,000 in non-current loans and owned real-estate with $20.69 million in equity and loan loss allowances on hand to cover it. This gives Newton County Bank a Texas Ratio of 3.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Newton County Bank decreased slightly from 4.60% as of March 31, 2011 to 3.77% as of March 31, 2012, resulting in a positive change of 18.19%.This indicates that the balance sheet and financial strength for Newton County Bank has improved slightly in recent periods. Deposit Growth In the past year, Newton County Bank has increased its total deposits by $1.94 million, resulting in 1.46% 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 Newton County Bank has shown is above average. 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. Newton County Bank has $157.7 million in assets with $20.69 million in equity, resulting in a capitalization level of 13.12%, which is excellent.

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