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Community Bankers Trust (Community Bankers Trust) Net Interest Margin (Bank Only) % : 3.71% (As of Sep. 2021)


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What is Community Bankers Trust 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. Community Bankers Trust's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2021 was $59.18 Mil. Community Bankers Trust's average earning assets for the quarter that ended in Sep. 2021 was $1,594.00 Mil. Therefore, Community Bankers Trust's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2021 was 3.71%.


Community Bankers Trust Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Community Bankers Trust'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.

Community Bankers Trust Net Interest Margin (Bank Only) % Chart

Community Bankers Trust Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.71 3.70 3.75 3.85 3.65

Community Bankers Trust Quarterly Data
Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21
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 3.50 3.79 3.74 3.78 3.71

Competitive Comparison of Community Bankers Trust's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Community Bankers Trust'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.


Community Bankers Trust's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Community Bankers Trust 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).

Community Bankers Trust's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2020 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2020 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2019 ) + Earning Assets (A: Dec. 2020 ))/ count )
=51.31/( (1314.324 + 1495.087)/ 2 )
=51.31/1404.7055
=3.65 %

where

Earning Assets(A: Dec. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1082.767 + 231.557
=1314.324

Earning Assets(A: Dec. 2020 )
=Money Market Investments + Net Loan + Securities & Investments
=0.222 + 1193.906 + 300.959
=1495.087

Community Bankers Trust's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2021 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2021 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2021 ) + Earning Assets (Q: Sep. 2021 ))/ count )
=59.18/( (1548.488 + 1639.521)/ 2 )
=59.18/1594.0045
=3.71 %

where

Earning Assets(Q: Jun. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=0.23400000000001 + 1198.622 + 349.632
=1548.488

Earning Assets(Q: Sep. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1236.575 + 402.946
=1639.521

* 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 (Sep. 2021) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Community Bankers Trust  (NAS:ESXB) 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.


Community Bankers Trust Net Interest Margin (Bank Only) % Related Terms

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Community Bankers Trust (Community Bankers Trust) Business Description

Traded in Other Exchanges
N/A
Address
9954 Mayland Drive, Suite 2100, Richmond, VA, USA, 23233
Community Bankers Trust Corp is single-bank holding company for Essex Bank. The bank is engaged in a general commercial banking business and provides a range of financial services to individuals and small businesses, including individual and commercial demand and time deposit accounts, commercial and industrial loans, consumer and small business loans, real estate and mortgage loans, investment services and safe deposit box facilities. It operates in over three business lines namely retail and small business banking, commercial and industrial banking and real estate lending. Geographically, all the business activities are operated in the United States.
Executives
William E. Hardy director 9954 MAYLAND DRIVE SUITE 2100 RICHMOND VA 23233
Gerald F. Barber director 9954 MAYLAND DRIVE, SUITE 2100 DEEP RUN III RICHMOND VA 23233
Robin Traywick Williams director 101 DRY BRIDGE ROAD MIDLOTHIAN VA 23113
Smith Rex L. Iii director, officer: President and CEO 4235 INNSLAKE DRIVE, SUITE 200 GLEN ALLEN VA 23060
Bruce E Thomas officer: EVP and CFO
John C Watkins director 101 DRY BRIDGE ROAD MIDLOTHIAN VA 23113
Saunders William E Jr officer: EVP and CRO, Essex Bank 323 PRINCE STREET, PO BOX 965 TAPPAHANNOCK VA 22560
Oliver L. Way director 9954 MAYLAND DRIVE SUITE 2100 RICHMOND VA 23233
Fain Hugh M Iii director 9954 MAYLAND DRIVE SUITE 2100 RICHMOND VA 23233
Gail L Letts director 9954 MAYLOAND DRIVE SUITE 2100 RICHMOND VA 23233
Putnam Eugene S Jr director C/O AEGIS MORTGAGE CORPORATION, 3250 BRIARPARK, SUITE 400, HOUSTON TX 77042
Rawls Iii S. Waite director 4235 INNSLAKE DR, SUITE 200 GLEN ALLEN VA 23060
Richard F Bozard director
Oakey John M. Iii officer: EVP, General Counsel and Sec. 4235 INNSLAKE DRIVE, SUITE 200 GLEN ALLEN VA 23060
Jeffery Richard Cantrell officer: EVP and COO, Essex Bank 4235 INNSLAKE DR SUITE 200 GLEN ALLEN VA 23060

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