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NASB Financial (NASB Financial) Net Interest Margin (Bank Only) % : 3.22% (As of Dec. 2023)


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What is NASB 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. NASB Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $75.51 Mil. NASB Financial's average earning assets for the quarter that ended in Dec. 2023 was $2,346.53 Mil. Therefore, NASB Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 3.22%.


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

The historical data trend for NASB 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.

NASB Financial Net Interest Margin (Bank Only) % Chart

NASB Financial Annual Data
Trend Sep14 Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.74 3.94 4.39 3.79 3.71

NASB Financial 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 3.89 3.70 3.57 3.38 3.22

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

For the Banks - Regional subindustry, NASB 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.


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

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

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



NASB 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).

NASB Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Sep. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Sep. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Sep. 2022 ) + Earning Assets (A: Sep. 2023 ))/ count )
=83.47/( (2187.941 + 2306.806)/ 2 )
=83.47/2247.3735
=3.71 %

where

Earning Assets(A: Sep. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=4.448 + 1979.888 + 203.605
=2187.941

Earning Assets(A: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=2.019 + 2067.101 + 237.686
=2306.806

NASB Financial'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 )
=75.508/( (2306.806 + 2386.245)/ 2 )
=75.508/2346.5255
=3.22 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=2.019 + 2067.101 + 237.686
=2306.806

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=2.227 + 2100.032 + 283.986
=2386.245

* 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.


NASB Financial  (OTCPK:NASB) 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.


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

Thank you for viewing the detailed overview of NASB Financial's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


NASB Financial (NASB Financial) Business Description

Industry
Traded in Other Exchanges
N/A
Address
12498 South 71 Highway, Grandview, MO, USA, 64030
NASB Financial Inc is a federally chartered stock savings bank, whose business is to attract deposits from the general public and to originate real estate loans, other loans, and short-term investments. It has a portfolio of mortgage loans that are secured by multifamily, construction, development, and commercial real estate properties. Its sources of income include interest on loans, interest on MBS, interest on investment securities, customer service fees, and mortgage banking fees.
Executives
Frederick V Arbanas director 3350 SOUTHWEST HOOK ROAD, LEE'S SUMMIT MO 64082
David H Hancock director, 10 percent owner, officer: Chairman and CEO 12498 S 71 HIGHWAY, GRANDVIEW MO 64030
Linda S Hancock director 5049 WORNALL RD 5EF, KANSAS CITY MO 64112
Wagers Thomas B Sr officer: Vice President 6444 SUMMIT STREET, KANSAS CITY MO 64113
John M Nesselrode officer: Vice President 22004 W 52ND, SHAWNEE KS 66226
Braman Michael P Jr officer: Vice President 14074 S BLACKFOOT COURT, OLATHE KS 66062
Dena K Sanders officer: Vice President 7401 WARD PARKWAY, KANSAS CITY MO 64114
Derek A Bridges officer: Vice President 3607 W 156TH TERRACE, OVERLAND PARK KS 66224
Barrett Brady director 411 W 46TH TERRACE, APT 503, KANSAS CITY MO 64112
Laura Brady director 4949 WORNALL ROAD #300, KANSAS CITY MO 64112
Michael G Anderson officer: Vice President 14321 MELROSE STREET, OVERLAND PARK KS 66221
Russell W Welsh director 644 N MEYER BLVD, KANSAS CITY MO 64113
Jim A Watson director, officer: Vice President 19 WEST 70TH STREET, KANSAS CITY MO 64113
Fletcher M Lamkin director 501 WESTMINSTER AVE., FULTON MO 65251
Wade M Hall officer: Vice President 14300 CONNELL ST, OVERLAND PARK KS 66021

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