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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. Invesco Mortgage Capital's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $33.21 Mil. Invesco Mortgage Capital's average earning assets for the quarter that ended in Dec. 2023 was $434.81 Mil. Therefore, Invesco Mortgage Capital's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 7.64%.
The historical data trend for Invesco Mortgage Capital'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.
Invesco Mortgage Capital Annual Data | |||||||||||||||||||||
Trend | Dec14 | Dec15 | Dec16 | Dec17 | Dec18 | Dec19 | Dec20 | Dec21 | Dec22 | Dec23 | |||||||||||
Net Interest Margin (Bank Only) % | Get a 7-Day Free Trial | 1.56 | 1.30 | 3.94 | 24.29 | 10.79 |
Invesco Mortgage Capital 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 | 23.15 | 16.57 | 11.08 | 9.30 | 7.64 |
For the REIT - Mortgage subindustry, Invesco Mortgage Capital'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.
For the REITs industry and Real Estate sector, Invesco Mortgage Capital's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Invesco Mortgage Capital's Net Interest Margin (Bank Only) % falls into.
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).
Invesco Mortgage Capital's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as
Net Interest Margin (Bank Only) % | (A: Dec. 2023 ) | |||||
= | (Interest Income + Interest Expense) | / | Average Earning Assets | |||
= | Net Interest Income (for Banks) | / | ( (Earning Assets (A: Dec. 2022 ) | + | Earning Assets (A: Dec. 2023 )) | / count ) |
= | 49.7 | / | ( (455.556 | + | 466.005) | / 2 ) |
= | 49.7 | / | 460.7805 | |||
= | 10.79 % |
where
Earning Assets | (A: Dec. 2022 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 103.246 | + | 0 | + | 352.31 |
= | 455.556 |
Earning Assets | (A: Dec. 2023 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 121.67 | + | 0 | + | 344.335 |
= | 466.005 |
Invesco Mortgage Capital'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 ) |
= | 33.208 | / | ( (403.619 | + | 466.005) | / 2 ) |
= | 33.208 | / | 434.812 | |||
= | 7.64 % |
where
Earning Assets | (Q: Sep. 2023 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 185.824 | + | 0 | + | 217.795 |
= | 403.619 |
Earning Assets | (Q: Dec. 2023 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 121.67 | + | 0 | + | 344.335 |
= | 466.005 |
* 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.
Invesco Mortgage Capital (NYSE:IVR) 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.
Thank you for viewing the detailed overview of Invesco Mortgage Capital's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.
Carolyn L Gibbs | director | 1331 SPRING ST. NW, SUITE 2500, ATLANTA GA 30309 |
Katharine Kelley | director | 1555 PEACHTREE ST. NE, SUITE 1800, ATLANTA GA 30309 |
Lientz James R Jr | director | GEORGIA POSER CO BIN 10240, 241 RALPH MCGILL BLVD, ATLANTA GA 30308 |
John Anzalone | officer: Chief Investment Officer | INVESCO LTD., 1555 PEACHTREE STREET NE, ATLANTA GA 30309 |
Kevin M Collins | officer: Executive Vice President | 1555 PEACHTREE STREET NE, SUITE 1800, ATLANTA GA 30309 |
Phegley Richard Lee Jr. | officer: Chief Financial Officer | 1331 SPRING STREET NW, SUITE 2500, ATLANTA GA 30309 |
Don H Liu | director | 1000 NICOLLET MALL, TPS-3155, MINNEAPOLIS MN 55403 |
Beth Zayicek | director | 1555 PEACHTREE ST. NE, SUITE 1800, ATLANTA GA 30309 |
David B Lyle | officer: Executive Vice President | 1555 PEACHTREE ST. NE, SUITE 1800, ATLANTA GA 30309 |
John Day | director | 1520 OLD TROLLEY ROAD, SUMMERVILLE SC 29485 |
Dennis P Lockhart | director | 100 GOLF ROAD, GOLF IL 60029 |
Brian Norris | officer: Interim CIO | 1555 PEACHTREE STREET, NE, SUITE 1800, ATLANTA GA 30309 |
Edward J Hardin | director | 5430 LBJ FREEWAY, SUIT 1700, DALLAS TX 75240 |
Mario Clemente | other: Officer of Manager | 1555 PEACHTREE STREET, NE, SUITE 1800, ATLANTA GA 30309 |
Loren M Starr | director |
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