GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Bank of Labor Bancshares Inc (OTCPK:BHDB) » Definitions » Net Interest Margin (Bank Only) %

Bank of Labor Bancshares (Bank of Labor Bancshares) Net Interest Margin (Bank Only) % : % (As of . 20)


View and export this data going back to . Start your Free Trial

What is Bank of Labor Bancshares 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. Bank of Labor Bancshares's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was $ Mil. Bank of Labor Bancshares's average earning assets for the quarter that ended in . 20 was $ Mil. Therefore, Bank of Labor Bancshares's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


Bank of Labor Bancshares Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Bank of Labor Bancshares'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.

Bank of Labor Bancshares Net Interest Margin (Bank Only) % Chart

Bank of Labor Bancshares Annual Data
Trend
Net Interest Margin (Bank Only) %

Bank of Labor Bancshares Quarterly Data
Net Interest Margin (Bank Only) %

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

For the Banks - Regional subindustry, Bank of Labor Bancshares'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.


Bank of Labor Bancshares's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Bank of Labor Bancshares 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).

Bank of Labor Bancshares's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Bank of Labor Bancshares's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(Q: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: . 20 ) + Earning Assets (Q: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

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


Bank of Labor Bancshares  (OTCPK:BHDB) 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.


Bank of Labor Bancshares Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of Bank of Labor Bancshares's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


Bank of Labor Bancshares (Bank of Labor Bancshares) Business Description

Traded in Other Exchanges
N/A
Address
756 Minnesota Avenue, Kansas, KS, USA, 66101
Bank of Labor Bancshares Inc is a bank holding company offering personal and commercial banking services. The bank serves three different divisions; personal, business and trust banking services. Its personal services include checking accounts, savings accounts, investment management, loans, card, online and account services. Through business banking services it provides savings accounts, retirement plans, online payroll and other business e-banking services. The bank also provides trust solutions, custodial accounts, tax-deferred accounts and estate settlement. Its segments consist of Real Estate, Commercial and Consumer and others.

Bank of Labor Bancshares (Bank of Labor Bancshares) Headlines

No Headlines