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CAIB (California International Bank NA) Net Interest Margin (Bank Only) % : 8.90% (As of Dec. 2023)


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What is California International Bank NA 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. California International Bank NA's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $3.93 Mil. California International Bank NA's average earning assets for the quarter that ended in Dec. 2023 was $44.15 Mil. Therefore, California International Bank NA's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 8.90%.


California International Bank NA Net Interest Margin (Bank Only) % Historical Data

The historical data trend for California International Bank NA'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.

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California International Bank NA Net Interest Margin (Bank Only) % Chart

California International Bank NA Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 6.65 5.18 5.49 5.97 8.90

California International Bank NA Semi-Annual Data
Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial 6.65 5.18 5.49 5.97 8.90

Competitive Comparison of California International Bank NA's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, California International Bank NA'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.


California International Bank NA's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



California International Bank NA 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).

California International Bank NA'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 )
=3.929/( (44.115 + 44.175)/ 2 )
=3.929/44.145
=8.90 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=4.688 + 39.427 + 0
=44.115

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=4.374 + 39.801 + 0
=44.175

California International Bank NA'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: Dec. 2022 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=3.929/( (44.115 + 44.175)/ 2 )
=3.929/44.145
=8.90 %

where

Earning Assets(Q: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=4.688 + 39.427 + 0
=44.115

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=4.374 + 39.801 + 0
=44.175

* 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 one times the annual (Dec. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


California International Bank NA  (OTCPK:CAIB) 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.


California International Bank NA Net Interest Margin (Bank Only) % Related Terms

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California International Bank NA Business Description

Traded in Other Exchanges
N/A
Address
15606 Brookhurst Street, Suite No. C - D, Westminster, CA, USA, 92683
California International Bank NA provides a variety of commercial banking services to individuals and small businesses located in Southern California. Its primary lending products are real estate and commercial loans. Its primary deposit products are non-interest-bearing deposits, money market accounts, and time certificates of deposit. The portfolio segments identified by the Bank include real estate and commercial loans.

California International Bank NA Headlines

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