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Columbia Banking System (Columbia Banking System) Net Interest Margin (Bank Only) % : 3.65% (As of Dec. 2022)


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What is Columbia Banking System 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. Columbia Banking System's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2022 was $666.8 Mil. Columbia Banking System's average earning assets for the quarter that ended in Dec. 2022 was $18,249.4 Mil. Therefore, Columbia Banking System's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2022 was 3.65%.


Columbia Banking System Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Columbia Banking System'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.

Columbia Banking System Net Interest Margin (Bank Only) % Chart

Columbia Banking System Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.25 4.13 3.71 3.19 3.39

Columbia Banking System Quarterly Data
Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22
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 3.34 3.17 3.20 3.53 3.65

Competitive Comparison of Columbia Banking System's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Columbia Banking System'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.


Columbia Banking System's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Columbia Banking System 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).

Columbia Banking System's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2022 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2021 ) + Earning Assets (A: Dec. 2022 ))/ count )
=622.836/( (18568.884 + 18166.694)/ 2 )
=622.836/18367.789
=3.39 %

where

Earning Assets(A: Dec. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 10496.133 + 8072.751
=18568.884

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 11529.378 + 6637.316
=18166.694

Columbia Banking System's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2022 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2022 ) + Earning Assets (Q: Dec. 2022 ))/ count )
=666.772/( (18332.172 + 18166.694)/ 2 )
=666.772/18249.433
=3.65 %

where

Earning Assets(Q: Sep. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 11538.641 + 6793.531
=18332.172

Earning Assets(Q: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 11529.378 + 6637.316
=18166.694

* 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. 2022) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Columbia Banking System  (NAS:COLB) 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.


Columbia Banking System Net Interest Margin (Bank Only) % Related Terms

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Columbia Banking System (Columbia Banking System) Business Description

Traded in Other Exchanges
N/A
Address
1301 A Street, Tacoma, WA, USA, 98402-2156
Columbia Banking System Inc is a registered bank holding company. The company operates through its wholly-owned banking subsidiary, Columbia State Bank. The company provides a full range of banking services to small and midsize businesses, professionals, and individuals throughout Washington, Oregon, and Idaho. The bank has historically grown through a combination of organic growth and acquisitions. The bank's strategy s to provide our customers with the financial sophistication and product depth of a regional banking company. Its loan portfolio is diversified but primarily concentrated in commercial real estate and commercial business loans. A majority of the bank's net revenue is net interest income.
Executives
Drew K Anderson officer: Chief Administrative Officer C/O COLUMBIA BANKING SYSTEM, INC., 5885 MEADOWS ROAD, SUITE #400, LAKE OSWEGO OR 97035
Luis Machuca director ITXC CORP, 14600 NW GREENBRIER PARKWAY, BEAVERTON OR 97006
Maria M Pope director C/O PORTLAND GENERAL ELECTRIC CO., 121 SW SALMON ST, PORTLAND OR 97204
Peggy Y Fowler director C/O PORTLAND GENERAL ELECTRIC CO, 121 SW SALMON ST, PORTLAND OR 97204
Terry Hilliard C. Iii director ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258
John F Schultz director C/O HEWLETT-PACKARD COMPANY, 3000 HANOVER STREET, PALO ALTO CA 94304
Anddria Varnado director ONE SW COLUMBIA STREET STE 1200, PORTLAND OR 97258
Torran B Nixon officer: Senior Executive VP ONE SW COLUMBIA STREET STE 1200, PORTLAND OR 97258
Ron L Farnsworth officer: Chief Financial Officer 200 SW MARKET ST STE 1900, PORTLAND OR 97201
Andrew H Ognall officer: IMO General Counsel ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258
Frank Namdar officer: Chief Credit Officer ONE SW COLUMBIA STREET STE 1200, PORTLAND OR 97258
Lisa M White officer: PAO & Corporate Controller 9285 NE TANASBOURNE DRIVE, HILLSBORO OR 97124
O'haver Cort L director, officer: Executive Chairman ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258
Sheri Burns officer: Chief Human Resources Officer C/O COLUMBIA BANKING SYSTEM, INC., 450 NW 114TH AVENUE, PORTLAND OR 97229
Aaron James Deer officer: EVP Chief Financial Officer 1301 A STREET, TACOMA WA 98402