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Home Federal Bancorp of louisiana (Home Federal Bancorp of louisiana) Net Interest Margin (Bank Only) % : 3.18% (As of Dec. 2023)


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What is Home Federal Bancorp of louisiana 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. Home Federal Bancorp of louisiana's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $19.61 Mil. Home Federal Bancorp of louisiana's average earning assets for the quarter that ended in Dec. 2023 was $616.43 Mil. Therefore, Home Federal Bancorp of louisiana's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 3.18%.


Home Federal Bancorp of louisiana Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Home Federal Bancorp of louisiana'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.

Home Federal Bancorp of louisiana Net Interest Margin (Bank Only) % Chart

Home Federal Bancorp of louisiana Annual Data
Trend Jun14 Jun15 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.86 3.54 3.63 3.47 3.81

Home Federal Bancorp of louisiana Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
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 4.07 3.85 3.58 3.44 3.18

Competitive Comparison of Home Federal Bancorp of louisiana's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Home Federal Bancorp of louisiana'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.


Home Federal Bancorp of louisiana's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Home Federal Bancorp of louisiana 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).

Home Federal Bancorp of louisiana's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jun. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Jun. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Jun. 2022 ) + Earning Assets (A: Jun. 2023 ))/ count )
=21.552/( (521.725 + 608.446)/ 2 )
=21.552/565.0855
=3.81 %

where

Earning Assets(A: Jun. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=21.825 + 391.851 + 108.049
=521.725

Earning Assets(A: Jun. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=4.975 + 489.497 + 113.974
=608.446

Home Federal Bancorp of louisiana's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2023 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=19.612/( (620.403 + 612.454)/ 2 )
=19.612/616.4285
=3.18 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 507.188 + 113.215
=620.403

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 503.612 + 108.842
=612.454

* 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. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Home Federal Bancorp of louisiana  (NAS:HFBL) 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.


Home Federal Bancorp of louisiana Net Interest Margin (Bank Only) % Related Terms

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Home Federal Bancorp of louisiana (Home Federal Bancorp of louisiana) Business Description

Traded in Other Exchanges
N/A
Address
624 Market Street, Shreveport, LA, USA, 71101
Home Federal Bancorp Inc of louisiana operates as a bank holding company. It is a federally chartered stock savings bank, which provides financial services to individuals, corporate entities, and other organizations. Its core activities consist of attracting deposits from the general public and using those funds to originate loans to the residential, commercial and multi-family segments. The company also invests securities held-to-maturity and securities available for sale.
Executives
James R Barlow director, officer: President & COO* HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
David Barber officer: SVP Mortgage Lending * HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
Donna C. Lewis officer: Senior Vice President* HOME FEDERAL BANCORP, INC. OF LOUISIANA, 624 MARKET STREET, SHREVEPORT LA 71101
Glen W. Brown officer: SVP & Chief Financial Officer 624 MARKET STREET, SHREVEPORT LA 71101
Colquitt Walter T Iii director HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
Scott D Lawrence director HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
Timothy W. Wilhite director HOME FEDERAL BANCORP, INC. OF LOUISIANA, 624 MARKET STREET, SHREVEPORT LA 71101
Clyde D Patterson director, officer: Executive Vice President & CFO HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
Martin S. Friedman 10 percent owner 7901 JONES BRANCH DR. SUITE 210, MCLEAN VA 22102
Woodus K Humphrey director HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
Mary L Jones officer: SVP Retail & Deposit Ops.* HOME FEDERAL BANCORP, INC. OF LOUISIANA, 624 MARKET STREET, SHREVEPORT LA 71101
Mark Malloy Harrison director HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
K Matthew Sawrie officer: SVP Commercial Lending* HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
Daniel R Herndon director, officer: Chairman and CEO HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101
Herndon David A Iii director HOME FEDERAL BANK, 624 MARKET STREET, SHREVEPORT LA 71101

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