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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. Citizens Community Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $46.99 Mil. Citizens Community Bancorp's average earning assets for the quarter that ended in Dec. 2023 was $1,693.61 Mil. Therefore, Citizens Community Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 2.77%.
The historical data trend for Citizens Community 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.
Citizens Community Bancorp Annual Data | |||||||||||||||||||||
Trend | Sep14 | Sep15 | Sep16 | Sep17 | Sep18 | Dec19 | Dec20 | Dec21 | Dec22 | Dec23 | |||||||||||
Net Interest Margin (Bank Only) % | Get a 7-Day Free Trial | 3.86 | 3.59 | 3.56 | 3.47 | 2.88 |
Citizens Community Bancorp Quarterly Data | ||||||||||||||||||||
Jun19 | Sep19 | Dec19 | Mar20 | Jun20 | Sep20 | Dec20 | Mar21 | Jun21 | Sep21 | Dec21 | Mar22 | Jun22 | Sep22 | Dec22 | Mar23 | Jun23 | Sep23 | Dec23 | Mar24 | |
Net Interest Margin (Bank Only) % | Get a 7-Day Free Trial | 3.06 | 2.78 | 2.88 | 2.77 | 2.82 |
For the Banks - Regional subindustry, Citizens Community 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.
For the Banks industry and Financial Services sector, Citizens Community Bancorp's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Citizens Community Bancorp'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).
Citizens Community Bancorp'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 ) |
= | 48.349 | / | ( (1660.517 | + | 1696.637) | / 2 ) |
= | 48.349 | / | 1678.577 | |||
= | 2.88 % |
where
Earning Assets | (A: Dec. 2022 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 0 | + | 1393.845 | + | 266.672 |
= | 1660.517 |
Earning Assets | (A: Dec. 2023 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 0 | + | 1443.657 | + | 252.98 |
= | 1696.637 |
Citizens Community Bancorp'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 ) |
= | 46.988 | / | ( (1690.585 | + | 1696.637) | / 2 ) |
= | 46.988 | / | 1693.611 | |||
= | 2.77 % |
where
Earning Assets | (Q: Sep. 2023 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 0 | + | 1427.293 | + | 263.292 |
= | 1690.585 |
Earning Assets | (Q: Dec. 2023 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 0 | + | 1443.657 | + | 252.98 |
= | 1696.637 |
* 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.
Citizens Community Bancorp (NAS:CZWI) 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 Citizens Community Bancorp's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.
Stephen M Bianchi | officer: CEO and President | 225 S. MAIN AVENUE, SIOUX FALLS SD 57104 |
Kristina M Bourget | director | 1703 PINE PARK DRIVE, EAU CLAIRE WI 54701 |
Kathleen Skarvan | other: Director of Subsidiary | 40 WEST HIGHLAND PARK DR NE, HUTCHINSON MN 55350 |
James S Broucek | officer: Chief Financial Officer | |
Timothy L Olson | director | 2727 PINE VIEW ROAD, EAU CLAIRE WI 54703 |
James D Moll | director | 400 9TH AVE SW, WELLS MN 56097 |
Francis E Felber | director | 754 OAK ST, BARRON WI 54812 |
William Glen Bertrand | other: Director of Subsidiary | E3420 N PINECREEK ROAD, ELEVA WI 54738 |
Richard Mchugh | director, other: Chairman | C/O CITIZENS COMMUNITY BANCORP, 2174 EASTRIDGE CENTER, EAU CLAIRE WI 54701 |
Nicholas William Amundsen | other: Director of Subsidiary | S4443 RYGG ROAD, EAU CLAIRE WI 54701 |
Martin S. Friedman | 10 percent owner | 7901 JONES BRANCH DR. SUITE 210, MCLEAN VA 22102 |
James R Lang | director | 2194 EASTRIDGE CENTER, EAU CLAIRE WI 54701 |
Michael R Conner | other: Director of Subsidiary | 1124 CUMMINGS COURT, EAU CLAIRE WI 54701 |
Brian R Schilling | director | C/O CITIZENS COMMUNITY BANCORP, 2174 EASTRIDGE CENTER, EAU CLAIRE WI 54701 |
Michael L Swenson | director | 1414 WEST HAMILTON AVE., STE 3, EAU CLAIRE WI 54701 |
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