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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. City National's annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2015 was $946 Mil. City National's average earning assets for the quarter that ended in Jun. 2015 was $30,548 Mil. Therefore, City National's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2015 was 3.10%.
The historical data trend for City National'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.
City National Annual Data | |||||||||||||||||||||
Trend | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Dec13 | Dec14 | |||||||||||
Net Interest Margin (Bank Only) % | Get a 7-Day Free Trial | 3.91 | 3.78 | 3.45 | 3.07 | 2.98 |
City National Quarterly Data | ||||||||||||||||||||
Sep10 | Dec10 | Mar11 | Jun11 | Sep11 | Dec11 | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 | Jun13 | Sep13 | Dec13 | Mar14 | Jun14 | Sep14 | Dec14 | Mar15 | Jun15 | |
Net Interest Margin (Bank Only) % | Get a 7-Day Free Trial | 3.18 | 3.02 | 3.00 | 2.86 | 3.10 |
For the Banks - Regional subindustry, City National'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.
For the Banks industry and Financial Services sector, City National's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where City National's Net Interest Margin (Bank Only) % falls into.
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).
City National's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2014 is calculated as
Net Interest Margin (Bank Only) % | (A: Dec. 2014 ) | |||||
= | (Interest Income + Interest Expense) | / | Average Earning Assets | |||
= | Net Interest Income (for Banks) | / | ( (Earning Assets (A: Dec. 2013 ) | + | Earning Assets (A: Dec. 2014 )) | / count ) |
= | 858.237 | / | ( (27238.367 | + | 30415.64) | / 2 ) |
= | 858.237 | / | 28827.0035 | |||
= | 2.98 % |
where
Earning Assets | (A: Dec. 2013 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 200 | + | 17568.843 | + | 9469.524 |
= | 27238.367 |
Earning Assets | (A: Dec. 2014 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 200 | + | 20529.428 | + | 9686.212 |
= | 30415.64 |
City National's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2015 is calculated as
Net Interest Margin (Bank Only) % | (Q: Jun. 2015 ) | |||||
= | (Interest Income + Interest Expense) | / | Average Earning Assets | |||
= | Net Interest Income (for Banks) | / | ( (Earning Assets (Q: Mar. 2015 ) | + | Earning Assets (Q: Jun. 2015 )) | / count ) |
= | 946.04 | / | ( (30189.068 | + | 30905.965) | / 2 ) |
= | 946.04 | / | 30547.5165 | |||
= | 3.10 % |
where
Earning Assets | (Q: Mar. 2015 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 200 | + | 21071.981 | + | 8917.087 |
= | 30189.068 |
Earning Assets | (Q: Jun. 2015 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 200 | + | 22038.364 | + | 8667.601 |
= | 30905.965 |
* 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 (Jun. 2015) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
City National (NYSE:CYN) 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.
Thank you for viewing the detailed overview of City National's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.
Russell D Goldsmith | director, officer: Chairman, President and CEO | C/O CITY NATIONAL CORP ,GENERAL COUNSEL, 555 S. FLOWER STREET, 18TH FL, LOS ANGELES CA 90071 |
Clifford Gilbert-lurie | director | 555 SOUTH FLOWER STREET, 18TH FLOOR, LOS ANGELES CA 90071 |
Ashok Israni | director | C/O CITY NATIONAL CORPORATION, 555 S. FLOWER STREET, 18TH FL, LOS ANGELES CA 90071 |
Bruce Rosenblum | director | C/O CITY NATIONAL CORPORATION, 555 S. FLOWER STREET, 18TH FLOOR, LOS ANGELES CA 90071 |
Brian Fitzmaurice | officer: EVP & Chief Credit Officer | C/O CITY NATIONAL CORPORATION, 555 S. FLOWER ST., 18TH FL., LOS ANGELES CA 90071 |
Robert H Tuttle | director | C/O TUTTLE-CLICK AUTOMOTIVE GROUP, 9701 WILSHIRE BOULEVARD, SUITE 1100, BEVERLY HILLS CA 90212 |
Christopher J Warmuth | director, officer: EVP of Issuer; Pres. of Sub | C/O CITY NATIONAL CORP ,GENERAL COUNSEL, 555 SOUTH FLOWER STREET, 18TH FL, LOS ANGELES CA 90071 |
Bram Goldsmith | director, officer: Chairman Emeritus of the Board | C/O CITY NATIONAL CORP ,GENERAL COUNSEL, 555 S. FLOWER STREET, 18TH FL, LOS ANGELES CA 90071 |
Christopher J Carey | officer: EVP & Chief Financial Officer | C/O CITY NATIONAL CORP., GENERAL COUNSEL, 555 S. FLOWER STREET, 18TH FL, LOS ANGELES CA 90071 |
Michael B Cahill | officer: EVP, General Counsel, Sect. | CITY NATIONAL BANK, 555 S. FLOWER ST., 18TH FL, LOS ANGELES CA 90071 |
Kenneth L Coleman | director | C/O CITY NATIONAL CORPORATION, 555 S. FLOWER STREET, 18TH FLOOR, LOS ANGELES CA 90071 |
Peter M Thomas | director | 2300 W. SAHARA AVENUE, BOX ONE, LAS VEGAS NV 89102 |
Mohamad Ali | director | 2 AVENUE DE LAFAYETTE, BOSTON MA 02111 |
Richard Bloch | director | C/O CLB PARTNERS, P.O. BOX 2569, RANCHO SANTA FE CA 92067-2569 |
Olga Tsokova | officer: SVP & Chief Accounting Officer | C/O CITY NATIONAL CORPORATION, 555 S. FLOWER STREET, 18TH FLOOR, LOS ANGELES CA 90071 |
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