<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01//EN"
"http://www.w3.org/TR/html4/strict.dtd">
<html>
<head><script type="text/javascript">
//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Debt Ratio Calculator
//2002 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 06/12/2002
//Last Modified: 06/19/2009
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:7579-1662-39-1580
//Commercial Licence Date:2013-07-13
//*******************************************



function sn(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}



function fns(num, places, comma, type, show) {

    var sym_1 = "$";
    var sym_2 = ""; 

    var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = Number(myPlaces) + Number(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       if(type == 1 && show == 1) {
          finNum = "-" + sym_1 + "" + finNum + "" + sym_2;
       } else {
          finNum = "-" + finNum;
       }
    } else {
       if(show == 1) {
          if(type == 1) {
             finNum = sym_1 + "" + finNum + "" + sym_2;
          } else
          if(type == 2) {
             finNum = finNum + "%";
          }

       }

    }

	return finNum;
}


function computeForm(form) {

      var VmonthlyIncome = sn(document.calc.monthlyIncome.value);
      var VspouseIncome = sn(document.calc.spouseIncome.value);
      var VotherIncome = sn(document.calc.otherIncome.value);
      var VrentMortgagePmt = sn(document.calc.rentMortgagePmt.value);
      var VsecondMortgagePmt = sn(document.calc.secondMortgagePmt.value);
      var VvehiclePmts = sn(document.calc.vehiclePmts.value);
      var VcreditUnionPmts = sn(document.calc.creditUnionPmts.value);
      var VotherLoanPmts = sn(document.calc.otherLoanPmts.value);
      var VchargePmts = sn(document.calc.chargePmts.value);
      var VotherPmts = sn(document.calc.otherPmts.value);
      var VpendingLoanPmts = sn(document.calc.pendingLoanPmts.value);

      var VtotalIncome = Number(VmonthlyIncome) + Number(VspouseIncome) + Number(VotherIncome);

      if(VtotalIncome == 0) {
         document.calc.totalIncome.value = "";
         document.calc.totalPmts.value = "";
         document.calc.debtRatio.value = "";
         alert("Please enter a monthly income figure.");
      } else {

         document.calc.totalIncome.value= fns(VtotalIncome,2,1,1,1);

         var VtotalPmts = Number(VrentMortgagePmt) + Number(VsecondMortgagePmt) + Number(VvehiclePmts) + Number(VcreditUnionPmts) + Number(VotherLoanPmts) + Number(VchargePmts) + Number(VotherPmts) + Number(VpendingLoanPmts);
         document.calc.totalPmts.value= fns(VtotalPmts,2,1,1,1);

         var VdebtRatio = VtotalPmts / VtotalIncome * 100;
         document.calc.debtRatio.value = fns(VdebtRatio,2,0,2,1);
      }

}


function clear_results(form) {

      document.calc.totalIncome.value= "";
      document.calc.totalPmts.value= "";
      document.calc.debtRatio.value = "";

}
</script>
<title>Newport Federal Bank - Business Opportunities</title>
<link href="../css/csstablestyle.css" rel="stylesheet" type="text/css">
</head>
<body>
<form name="calc" method="post" action="#">

<table border='1' width='50%' cellpadding='4' cellspacing='0'  >
<tbody>

 <caption>Debt Ratio Calculator</caption>
 <tr><td colspan="2">
<font face='arial' size='2' color='#000000'>
Use this calculator to determine your debt to income ratio. Generally speaking, a debt ratio greater than or equal to 40% indicates you are not a good risk for lending money to.
<p>

</p>
</font> 
</td>
</tr>

 <tr> <td style="height: 35px"><font face='arial' size='2' color='#000000'>
Monthly gross income:
</font>
</td>
<td align="center" style="height: 35px"  >
<input type="text" name="monthlyIncome" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Spouse's monthly income after taxes:
</font>
</td>
<td align="center"  >
<input type="text" name="spouseIncome" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Other monthly income:
</font>
</td>
<td align="center"  >
<input type="text" name="otherIncome" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Monthly rent/mortgage payment:
</font>
</td>
<td align="center"  >
<input type="text" name="rentMortgagePmt" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Monthly 2nd mortgage payment:
</font>
</td>
<td align="center"  >
<input type="text" name="secondMortgagePmt" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Total of all monthly car/vehicle payments:
</font>
</td>
<td align="center"  >
<input type="text" name="vehiclePmts" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Total of all monthly credit union loan payments:
</font>
</td>
<td align="center"  >
<input type="text" name="creditUnionPmts" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
All other monthly consumer loan payments:
</font>
</td>
<td align="center"  >
<input type="text" name="otherLoanPmts" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Total of all monthly minimum charge card payments (Visa, Mastercard, dept. store, etc.):
</font>
</td>
<td align="center"  >
<input type="text" name="chargePmts" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Other monthly payments:
</font>
</td>
<td align="center"  >
<input type="text" name="otherPmts" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Pending monthly loan payments:
</font>
</td>
<td align="center"  >
<input type="text" name="pendingLoanPmts" size="12" onKeyUp="clear_results(this.form)" />
</td>
</tr>


<tr>
<td align="center"   colspan="2">
<input type="button" value="Compute Debt Ratio" onClick="computeForm(this.form)" />
<input type="reset" value="Reset">
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Your total income:
</font>
</td>
<td align="center"  >
<input type="text" name="totalIncome" size="12" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Your total monthly payments:
<font face='arial' size='2' color='#000000'>
</td>
<td align="center"  >
<input type="text" name="totalPmts" size="12" />
</td>
</tr>

 <tr> <td><font face='arial' size='2' color='#000000'>
Your debt ratio:
</font>
</td>
<td align="center"  >
<input type="text" name="debtRatio" size="12" />
</td>
</tr>



</tbody>
</table>
</form><p class="calcdisclaimer">THIS FINANCIAL CALCULATOR IS PROVIDED "AS IS" AND ON "AS AVAILABLE" BASIS WITHOUT&nbsp; 
REPRESENTATIONS OR WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT 
LIMITATION WARRANTIES OF SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND 
NON-INFRINGEMENT. Newport Federal Bank&nbsp;assumes no duty to you by making this calcuator available and shall not be 
responsible for any errors, omissions or defects in this calculator or the consequences of any decisions or actions taken in reliance upon this 
calculator. Newport Federal Bank shall not be liable under any circumstances for lost profits, lost business, loss of business reputation, or 
any direct, indirect, incidental, special, punitive or consequential damages of any kind, whether foreseeable or not, the result in any way from, or 
relate in any way to, your use, non-use or reliance on this calculator. Your sole and exclusive remedy for any claim related to this calculator is to 
stop using it.</p>