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Hamilton Bancorp (Hamilton Bancorp) Net Interest Margin (Bank Only) % : 3.08% (As of Dec. 2018)


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What is Hamilton 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. Hamilton Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2018 was $13.75 Mil. Hamilton Bancorp's average earning assets for the quarter that ended in Dec. 2018 was $446.57 Mil. Therefore, Hamilton Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2018 was 3.08%.


Hamilton Bancorp Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Hamilton 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.

* Premium members only.

Hamilton Bancorp Net Interest Margin (Bank Only) % Chart

Hamilton Bancorp Annual Data
Trend Mar12 Mar13 Mar14 Mar15 Mar16 Mar17 Mar18
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 3.07 3.00 3.31 3.66 3.16

Hamilton Bancorp Quarterly Data
Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18
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 3.15 3.12 3.28 3.30 3.08

Competitive Comparison of Hamilton Bancorp's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Hamilton 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.


Hamilton Bancorp's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Hamilton 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).

Hamilton Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Mar. 2018 is calculated as

Net Interest Margin (Bank Only) %(A: Mar. 2018 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Mar. 2017 ) + Earning Assets (A: Mar. 2018 ))/ count )
=14.493/( (444.583 + 471.382)/ 2 )
=14.493/457.9825
=3.16 %

where

Earning Assets(A: Mar. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=4.917 + 336.738 + 102.928
=444.583

Earning Assets(A: Mar. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=7.88 + 387.599 + 75.903
=471.382

Hamilton Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2018 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2018 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2018 ) + Earning Assets (Q: Dec. 2018 ))/ count )
=13.752/( (449.261 + 443.876)/ 2 )
=13.752/446.5685
=3.08 %

where

Earning Assets(Q: Sep. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=7.489 + 372.909 + 68.863
=449.261

Earning Assets(Q: Dec. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=11.373 + 366.426 + 66.077
=443.876

* 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 (Dec. 2018) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Hamilton Bancorp  (NAS:HBK) 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.


Hamilton Bancorp Net Interest Margin (Bank Only) % Related Terms

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Hamilton Bancorp (Hamilton Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
501 Fairmount Avenue, Suite 200, Towson, MD, USA, 21286
Hamilton Bancorp Inc is part of the financial services sector. As a bank holding company for Hamilton Bank its core activity is accepting deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential mortgage loans, commercial real estate loans, commercial business loans, home equity loans and lines of credit, construction loans and consumer loans. Most of its revenue is generated from the interest received on commercial real estate loans.
Executives
Robert A Dealmeida director, officer: President and CEO C/O HAMILTON BANCORP, INC., 501 FAIRMOUNT AVENUE, SUITE 200, TOWSON MD 21286