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City Bank (City Bank) Net Interest Margin (Bank Only) % : 0.29% (As of Jun. 2009)


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What is City Bank 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. City Bank's annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2009 was $3.31 Mil. City Bank's average earning assets for the quarter that ended in Jun. 2009 was $1,158.47 Mil. Therefore, City Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2009 was 0.29%.


City Bank Net Interest Margin (Bank Only) % Historical Data

The historical data trend for City Bank'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.

City Bank Net Interest Margin (Bank Only) % Chart

City Bank Annual Data
Trend Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.08 6.94 8.08 7.38 4.83

City Bank Quarterly Data
Sep04 Dec04 Mar05 Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09
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 5.72 5.01 2.01 1.16 0.29

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

For the Banks - Regional subindustry, City Bank'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.


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

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

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



City Bank 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).

City Bank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2008 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2008 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2007 ) + Earning Assets (A: Dec. 2008 ))/ count )
=56.527/( (1197.717 + 1143.473)/ 2 )
=56.527/1170.595
=4.83 %

where

Earning Assets(A: Dec. 2007 )
=Money Market Investments + Net Loan + Securities & Investments
=32.744 + 1150.486 + 14.487
=1197.717

Earning Assets(A: Dec. 2008 )
=Money Market Investments + Net Loan + Securities & Investments
=99.9 + 1029.09 + 14.483
=1143.473

City Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2009 is calculated as

Net Interest Margin (Bank Only) %(Q: Jun. 2009 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Mar. 2009 ) + Earning Assets (Q: Jun. 2009 ))/ count )
=3.308/( (1196.173 + 1120.772)/ 2 )
=3.308/1158.4725
=0.29 %

where

Earning Assets(Q: Mar. 2009 )
=Money Market Investments + Net Loan + Securities & Investments
=176.3 + 1005.408 + 14.465
=1196.173

Earning Assets(Q: Jun. 2009 )
=Money Market Investments + Net Loan + Securities & Investments
=193.7 + 904.727 + 22.345
=1120.772

* 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 (Jun. 2009) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


City Bank  (OTCPK:CTBK) 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.


City Bank Net Interest Margin (Bank Only) % Related Terms

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City Bank (City Bank) Business Description

Industry
Traded in Other Exchanges
N/A
Address
5219 City Bank Parkway, Lubbock, TX, USA, 79407
City Bank is engaged in general commercial and retail banking, with an emphasis on small and medium-sized businesses, construction lending for single-family residences and home mortgage lending.

City Bank (City Bank) Headlines

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