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Capital Bank Financial (Capital Bank Financial) Net Interest Margin (Bank Only) % : 3.77% (As of Sep. 2017)


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What is Capital Bank Financial Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Capital Bank Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2017 was $343.7 Mil. Capital Bank Financial's average earning assets for the quarter that ended in Sep. 2017 was $9,122.6 Mil. Therefore, Capital Bank Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2017 was 3.77%.


Capital Bank Financial Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Capital Bank Financial's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Capital Bank Financial Net Interest Margin (Bank Only) % Chart

Capital Bank Financial Annual Data
Trend Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 4.73 4.65 4.24 3.86 3.41

Capital Bank Financial Quarterly Data
Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.62 3.95 3.69 3.75 3.77

Competitive Comparison of Capital Bank Financial's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Capital Bank Financial's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Capital Bank Financial's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Capital Bank Financial's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Capital Bank Financial's Net Interest Margin (Bank Only) % falls into.



Capital Bank Financial Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Capital Bank Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2016 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2016 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2015 ) + Earning Assets (A: Dec. 2016 ))/ count )
=263.328/( (6700.529 + 8743.127)/ 2 )
=263.328/7721.828
=3.41 %

where

Earning Assets(A: Dec. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5587.682 + 1112.847
=6700.529

Earning Assets(A: Dec. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 7363.127 + 1380
=8743.127

Capital Bank Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2017 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2017 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2017 ) + Earning Assets (Q: Sep. 2017 ))/ count )
=343.664/( (9105.889 + 9139.375)/ 2 )
=343.664/9122.632
=3.77 %

where

Earning Assets(Q: Jun. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 7525.476 + 1580.413
=9105.889

Earning Assets(Q: Sep. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 7567.172 + 1572.203
=9139.375

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Sep. 2017) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Capital Bank Financial  (NAS:CBF) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Capital Bank Financial Net Interest Margin (Bank Only) % Related Terms

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Capital Bank Financial (Capital Bank Financial) Business Description

Traded in Other Exchanges
N/A
Address
Capital Bank Financial Corp is a bank holding company with over 180 operating branches across the United States. Through its branches, it offers a wide range of commercial and consumer loans and deposit products, as well as ancillary financial services. The firm also provides business and consumer banking services, treasury management, mortgage services, and wealth and investment management services.
Executives
Christopher G Marshall officer: Chief Financial Officer 8950 CYPRESS WATERS BLVD., COPPELL TX 75019
R Eugene Taylor director, officer: Chairman and CEO BANK OF AMERICA CORP, 100 NORTH TRYON ST NC1-007-57-01, CHARLOTTE NC 28255
Peter N Foss director 4725 PIEDMONT ROW DRIVE, CHARLOTTE NC 28210
Marc D Oken director C/O FALFURRIAS CAPITAL PARTNERS, 100 N. TRYON STREET, SUITE 5120, CHARLOTTE NC 28202
Crestview Partners Ii Gp, L.p. director 590 MADISON AVENUE, 42ND FLOOR, NEW YORK NY 10022
Crestview Partners Ii (ff) Lp director C/O CRESTVIEW PARTNERS II LP, 667 MADISON AVENUE, 10TH FL, NEW YORK NY 10065
Crestview Partners Ii (te) Lp director C/O CRESTVIEW PARTNERS II GP LP, 667 MADISON AVENUE, 10 FL, NEW YORK NY 10065
Crestview Partners Ii Lp director C/O CRESTVIEW PARTNERS II GP LP, 667 MADISON AVENUE, 10TH FL, NEW YORK NY 10065
Crestview Offshore Holdings Ii (ff Cayman) Lp director C/O CRESTVIEW PARTNERS II GP LP, 667 MADISON AVENUE, 10TH FL, NEW YORK NY 10065
Crestview Offshore Holdings Ii (cayman) Lp director C/O CRESTVIEW PARTNERS II GP LP, 667 MADISON AVENUE, 10TH FL, NEW YORK NY 10065
Crestview Offshore Holdings Ii (892 Cayman), L.p. director 667 MADISON AVENUE, 10TH FLOOR, NEW YORK NY 10065
Crestview Advisors, L.l.c. director 590 MADISON AVENUE, 42ND FLOOR, NEW YORK NY 10022
Richard M Demartini director BANK OF AMERICA CORP, 9 WEST 57TH STREET NY1-301-48-02, NEW YORK NY 10019
Jeffrey E Kirt director 1114 AVENUE OF THE AMERICAS, 27TH FLOOR, NEW YORK NY 10038