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SunTrust Banks (FRA:SUU) Net Interest Margin (Bank Only) % : 3.08% (As of Sep. 2019)


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What is SunTrust Banks 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. SunTrust Banks's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2019 was €5,484 Mil. SunTrust Banks's average earning assets for the quarter that ended in Sep. 2019 was €177,849 Mil. Therefore, SunTrust Banks's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2019 was 3.08%.


SunTrust Banks Net Interest Margin (Bank Only) % Historical Data

The historical data trend for SunTrust Banks'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.

SunTrust Banks Net Interest Margin (Bank Only) % Chart

SunTrust Banks Annual Data
Trend Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.16 3.00 3.00 2.91 3.27

SunTrust Banks Quarterly Data
Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19
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 3.28 3.31 3.20 3.12 3.08

Competitive Comparison of SunTrust Banks's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, SunTrust Banks'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.


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

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

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



SunTrust Banks 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).

SunTrust Banks's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2018 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2018 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2017 ) + Earning Assets (A: Dec. 2018 ))/ count )
=5262.573/( (153765.495 + 168393.546)/ 2 )
=5262.573/161079.5205
=3.27 %

where

Earning Assets(A: Dec. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=1047.8 + 123864.325 + 28853.37
=153765.495

Earning Assets(A: Dec. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=1129.515 + 136325.868 + 30938.163
=168393.546

SunTrust Banks's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2019 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2019 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2019 ) + Earning Assets (Q: Sep. 2019 ))/ count )
=5484.32/( (175152.12 + 180544.904)/ 2 )
=5484.32/177848.512
=3.08 %

where

Earning Assets(Q: Jun. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=671.715 + 142435.44 + 32044.965
=175152.12

Earning Assets(Q: Sep. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=747.284 + 147718.888 + 32078.732
=180544.904

* 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. 2019) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


SunTrust Banks  (FRA:SUU) 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.


SunTrust Banks Net Interest Margin (Bank Only) % Related Terms

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SunTrust Banks (FRA:SUU) Business Description

Industry
Traded in Other Exchanges
N/A
Address
303 Peachtree Street, North East, Atlanta, GA, USA, 30308
SunTrust Banks, headquartered in Atlanta, comprises commercial, corporate, and retail banking operations. SunTrust's corporate and investment banking arm is under the SunTrust Robinson Humphrey brand. The vast majority of SunTrust's deposits are in seven Southeastern U.S. states and the District of Columbia.

SunTrust Banks (FRA:SUU) Headlines

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