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Cascade Bancorp (Cascade Bancorp) Net Interest Margin (Bank Only) % : 3.67% (As of Mar. 2017)


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What is Cascade 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. Cascade Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2017 was $99.5 Mil. Cascade Bancorp's average earning assets for the quarter that ended in Mar. 2017 was $2,711.5 Mil. Therefore, Cascade Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2017 was 3.67%.


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

The historical data trend for Cascade 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.

Cascade Bancorp Net Interest Margin (Bank Only) % Chart

Cascade Bancorp Annual Data
Trend Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.63 4.25 4.16 3.86 3.85

Cascade Bancorp Quarterly Data
Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17
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 3.98 3.69 3.66 3.68 3.67

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

For the Banks - Regional subindustry, Cascade 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.


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

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

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



Cascade 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).

Cascade Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2016 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2016 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2015 ) + Earning Assets (A: Dec. 2016 ))/ count )
=93.123/( (2115.675 + 2721.658)/ 2 )
=93.123/2418.6665
=3.85 %

where

Earning Assets(A: Dec. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=0.27300000000001 + 1665.716 + 449.686
=2115.675

Earning Assets(A: Dec. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=0.273 + 2086.009 + 635.376
=2721.658

Cascade Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2017 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2017 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2016 ) + Earning Assets (Q: Mar. 2017 ))/ count )
=99.464/( (2721.658 + 2701.429)/ 2 )
=99.464/2711.5435
=3.67 %

where

Earning Assets(Q: Dec. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=0.273 + 2086.009 + 635.376
=2721.658

Earning Assets(Q: Mar. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=0.273 + 2092.24 + 608.916
=2701.429

* 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. 2017) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Cascade Bancorp  (NAS:CACB) 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.


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

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Cascade Bancorp (Cascade Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
Cascade Bancorp was formed in 1990 and is a publicly traded bank holding company. The Bancorp conducts its business activities through its wholly-owned subsidiary, Bank of the Cascades. The Bank is an Oregon state chartered bank which operates more 28 branches serving communities in Central, Southern and Northwest Oregon, as well as in the greater Boise/Treasure Valley, Idaho area. It offers commercial and retail banking services to its customers. It lends to small to medium-sized businesses, municipalities and public organizations, professional and consumer relationships. It also provides commercial real estate loans, real estate construction and development loans, commercial and industrial loans as well as consumer installment, line-of-credit, credit card, and home equity loans. It originates residential mortgage loans that are sold on the secondary market. The Bank provides consumer deposit services with a suite of cash management services. It also provides trust-related services to its clients. The Bank competes principally with other commercial banks, savings and loan associations, credit unions, mortgage companies, brokers, and other non-bank financial services providers. It is subject to a number of state and federal legislative regulations which include, among others, the statutory maximum legal lending rates, domestic monetary policies of the Federal Reserve Board, the U.S. Department of Treasury fiscal policy, and capital adequacy and liquidity constraints imposed by federal and state regulatory agencies.
Executives
Leonard Green & Partners, L.p. 10 percent owner 11111 SANTA MONICA BLVD, STE 2000, LOS ANGELES CA 90025
Daniel J Lee officer: EVP/CCO 5415 EVERGREEN WAY, EVERETT WA 98203
J Lamont Keen director 1221 W IDAHO ST, BOISE ID 83702
Annette G Elg director 1100 NW WALL STREET, BEND OR 97701
Green V Holdings, Llc 10 percent owner 11111 SANTA MONICA BOULEVARD, SUITE 2000, LOS ANGELES CA 90025
Green Equity Investors V, L.p. 10 percent owner 11111 SANTA MONICA BOULEVARD, SUITE 2000, LOS ANGELES CA 90025
Green Equity Investors Side V, L.p. 10 percent owner 11111 SANTA MONICA BOULEVARD, SUITE 2000, LOS ANGELES CA 90025
Gei Capital V, Llc 10 percent owner 11111 SANTA MONICA BOULEVARD, SUITE 2000, LOS ANGELES CA 90025
Michael Connolly director 11111 SANTA MONICA BOULEVARD, SUITE 2000, LOS ANGELES CA 90025
Dennis L Johnson director 1221 W IDAHO ST, BOISE ID 83702
Patricia L Moss director 1100 N.W. WALL STREET, P.O. BOX 369, BEND OR 97701
Lgp Management Inc 10 percent owner 11111 SANTA MONICA BLVD, STE 2000, LOS ANGELES CA 90025
Terry E Zink director, officer: Pres/CEO 38 FOUNTAIN SQUARE PLAZA, MD10AT76, CINCINNATI OH 45263
Donald B Marron 10 percent owner 51 WEST 52ND ST, 23RD FL, NEW YORK NY 10019
Judi Johansen director 2786 GLENMORRIE DRIVE, LAKE OSWEGO OR 97034

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