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Carroll Bancorp (Carroll Bancorp) Net Interest Margin (Bank Only) % : 3.51% (As of Sep. 2016)


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What is Carroll Bancorp 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. Carroll Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2016 was $4.81 Mil. Carroll Bancorp's average earning assets for the quarter that ended in Sep. 2016 was $137.19 Mil. Therefore, Carroll Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2016 was 3.51%.


Carroll Bancorp Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Carroll Bancorp'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.

Carroll Bancorp Net Interest Margin (Bank Only) % Chart

Carroll Bancorp Annual Data
Trend Dec10 Dec11 Dec12 Dec13 Dec14 Dec15
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 3.32 3.55 3.86 3.87 3.84

Carroll Bancorp Quarterly Data
Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16
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 4.06 4.04 3.66 3.64 3.51

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

For the Banks - Regional subindustry, Carroll Bancorp'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.


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

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

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



Carroll Bancorp 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).

Carroll Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2015 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2015 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2014 ) + Earning Assets (A: Dec. 2015 ))/ count )
=4.563/( (101.722 + 136.12)/ 2 )
=4.563/118.921
=3.84 %

where

Earning Assets(A: Dec. 2014 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 89.985 + 11.737
=101.722

Earning Assets(A: Dec. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 128.433 + 7.687
=136.12

Carroll Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2016 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2016 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2016 ) + Earning Assets (Q: Sep. 2016 ))/ count )
=4.812/( (135.963 + 138.411)/ 2 )
=4.812/137.187
=3.51 %

where

Earning Assets(Q: Jun. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 128.089 + 7.874
=135.963

Earning Assets(Q: Sep. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 130.489 + 7.922
=138.411

* 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 (Sep. 2016) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Carroll Bancorp  (OTCPK:CROL) 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.


Carroll Bancorp Net Interest Margin (Bank Only) % Related Terms

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Carroll Bancorp (Carroll Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
1321 Liberty Road, Sykesville, MD, USA, 21784
Carroll Bancorp Inc is a one-bank holding company. The bank is a state-chartered commercial bank. It is engaged in attracting and accepting deposits from the public and investing those deposits, together with funds generated from operations, in commercial real estate and residential mortgage loans. Carroll offers a range of deposit products, including savings accounts, certificates of deposit, money market accounts, business and retail noninterest-and interest-bearing checking accounts and individual retirement accounts. Its loan products include owner-occupied and non-owner-occupied commercial real estate loans, one- to four-family investor mortgages, owner-occupied one- to four-family residential mortgages and second mortgages, home equity lines of credit and home equity loans.

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