What is Fox Chase Bancorp 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. Fox Chase Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2016 was $34.18 Mil. Fox Chase Bancorp's average earning assets for the quarter that ended in Mar. 2016 was $1,057.32 Mil. Therefore, Fox Chase Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2016 was 3.23%.
Fox Chase Bancorp Net Interest Margin (Bank Only) % Historical Data
The historical data trend for Fox Chase Bancorp'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.
Fox Chase Bancorp Net Interest Margin (Bank Only) % Chart
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Fox Chase Bancorp Annual Data
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Trend |
Dec06 |
Dec07 |
Dec08 |
Dec09 |
Dec10 |
Dec11 |
Dec12 |
Dec13 |
Dec14 |
Dec15 |
| Net Interest Margin (Bank Only) % |
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3.20 |
3.22 |
3.16 |
3.23 |
3.27 |
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Fox Chase Bancorp Quarterly Data
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Jun11 |
Sep11 |
Dec11 |
Mar12 |
Jun12 |
Sep12 |
Dec12 |
Mar13 |
Jun13 |
Sep13 |
Dec13 |
Mar14 |
Jun14 |
Sep14 |
Dec14 |
Mar15 |
Jun15 |
Sep15 |
Dec15 |
Mar16 |
| Net Interest Margin (Bank Only) % |
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3.32 |
3.31 |
3.25 |
3.21 |
3.23 |
Competitive Comparison of Fox Chase Bancorp's Net Interest Margin (Bank Only) %
For the Banks - Regional subindustry, Fox Chase Bancorp'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.
Fox Chase Bancorp's Net Interest Margin (Bank Only) % Distribution in the Banks Industry
For the Banks industry and Financial Services sector, Fox Chase Bancorp's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Fox Chase Bancorp's Net Interest Margin (Bank Only) % falls into.
Fox Chase Bancorp 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).
Fox Chase Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2015 is calculated as
where
Fox Chase Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2016 is calculated as
where
* 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 (Mar. 2016) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
Fox Chase Bancorp (Fox Chase Bancorp) Business Description
Traded in Other Exchanges
N/A
Address
Fox Chase Bancorp Inc is a Maryland corporation that was incorporated in March 2010. The Bank operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market areas. The Bank attracts deposits from the general public and uses those funds to originate one- to four-family real estate, multi-family and commercial real estate, construction, commercial and consumer loans, which the Bank generally holds for investment. The largest segment of its loan portfolio is multi-family and commercial real estate loans. It offers fixed-rate and adjustable-rate mortgage loans secured by multi-family and commercial real estate to individuals and small businesses in its main market areas. Its multi-family and commercial real estate loans are generally secured by condominiums, apartment buildings and mixed-use properties with residential units, as well as office and retail space. It originates multi-family and commercial real estate loans with terms of up to 25 years. The second largest segment of its loan portfolio is residential mortgage loans, which enable borrowers to purchase or refinance existing homes, which are owner occupied. It offer fixed-rate and adjustable-rate loans with terms up to 30 years. It also offers commercial and industrial loans to professionals, sole proprietorships and small and mid-size businesses in its market area. It offers variety of consumer loans, including home equity loans and lines of credit, loans to individuals to purchase insurance policies, loans secured by certificate of deposits (share loans) and unsecured overdraft lines of credit. It competes with various financial institutions and credit unions operating in its market areas and, to a lesser extent, from other financial service companies such as brokerage firms and insurance companies. Its competition for loans comes mainly from financial institutions in its market areas, and, to a lesser extent, from other financial service providers such as mortgage companies, mortgage brokers and credit unions. As a savings and loan holding company, it is subject to Federal Reserve Board regulations, examinations, supervision, reporting requirements and regulations concerning its activities.
Executives
| Thomas M Petro |
director, officer: President and CEO |
14 NORTH MAIN STREET, PO BOX197, SOUDERTON PA 18964 |
| Randall J Mcgarry |
officer: Sr. VP Chief Info. Officer |
4390 DAVISVILLE ROAD, HATBORO PA 19040 |
| Roger S Deacon |
officer: EVP and CFO |
14 NORTH MAIN STREET, PO BOX 197, SOUDERTON PA 18964 |
| Nichols Anthony A Sr |
director |
|
| Donald R Caldwell |
director |
5 RADNOR CORP CENTER STE 555, RADNOR PA 19087 |
| Roger H Ballou |
director |
C/O CDI CORP, 1717 ARCH ST 35TH FL, PHILADELPHIA PA 19103 |
| Todd S Benning |
director |
14 NORTH MAIN STREET, PO BOX 197, SOUDERTON PA 18964 |
| Richard M Eisenstaedt |
director |
|
| Gerald A Ronon |
director |
4390 DAVISVILLE ROAD, HATBORO PA 19040 |
| Peter A Sears |
director |
1659 EAST BOOT ROAD, WEST CHESTER PA 19380 |
Fox Chase Bancorp (Fox Chase Bancorp) Headlines
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