What is Polonia 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. Polonia Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2015 was $6.39 Mil. Polonia Bancorp's average earning assets for the quarter that ended in Dec. 2015 was $227.07 Mil. Therefore, Polonia Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2015 was 2.81%.
Polonia Bancorp Net Interest Margin (Bank Only) % Historical Data
The historical data trend for Polonia 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.
Polonia Bancorp Net Interest Margin (Bank Only) % Chart
|
Polonia Bancorp Annual Data
|
|
Trend |
Dec06 |
Dec07 |
Dec08 |
Dec09 |
Dec10 |
Dec11 |
Dec12 |
Dec13 |
Dec14 |
Dec15 |
| Net Interest Margin (Bank Only) % |
|
Get a 7-Day Free Trial
|
|
|
3.56 |
3.47 |
3.29 |
2.99 |
2.82 |
|
Polonia Bancorp Quarterly Data
|
|
Mar11 |
Jun11 |
Sep11 |
Dec11 |
Mar12 |
Jun12 |
Sep12 |
Dec12 |
Mar13 |
Jun13 |
Sep13 |
Dec13 |
Mar14 |
Jun14 |
Sep14 |
Dec14 |
Mar15 |
Jun15 |
Sep15 |
Dec15 |
| Net Interest Margin (Bank Only) % |
Get a 7-Day Free Trial
|
|
|
|
|
|
|
|
|
|
|
|
|
2.98 |
2.91 |
2.95 |
2.99 |
2.81 |
Competitive Comparison of Polonia Bancorp's Net Interest Margin (Bank Only) %
For the Banks - Regional subindustry, Polonia 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.
Polonia Bancorp's Net Interest Margin (Bank Only) % Distribution in the Banks Industry
For the Banks industry and Financial Services sector, Polonia Bancorp's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Polonia Bancorp's Net Interest Margin (Bank Only) % falls into.
Polonia 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).
Polonia Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2015 is calculated as
where
Polonia Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2015 is calculated as
where
* 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. 2015) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
Polonia Bancorp (Polonia Bancorp) Business Description
Traded in Other Exchanges
N/A
Address
Polonia Bancorp Inc is a Maryland corporation that was incorporated in August 2011. The Company is headquartered in Huntingdon Valley and operates as a community-oriented financial institution dedicated to serving the financial services needs of consumers and businesses within its market areas. The Bank is engaged mainly in the business of attracting deposits from the general public and using using such funds to originate loans. Polonia Bank also maintains an investment portfolio. Polonia Bank's primary federal regulator is the Office of the Comptroller of the Currency (OCC). Its loan portfolio consists of one- to four-family residential real estate loans, multi-family and nonresidential real estate loans, home equity loans, commercial loans and consumer loans. Currently, it offers only fixed-rate mortgage products. The one- to four-family residential real estate loans are normally originated with up to 30-year terms, such loans typically remain outstanding for substantially shorter periods because borrowers often prepay their loans in full upon sale of the property pledged as security or upon refinancing the original loan. The multi-family and nonresidential real estate loans are generally secured by apartment buildings, small office buildings and owner-occupied properties. It offers loans with adjustable interest rates tied to a market index in its market area. It offers consumer loans in the form of loans secured by savings accounts or time deposits. The Company has the legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various federal agencies and municipal governments, corporate securities, mortgage-backed securities, deposits at the FHLB of Pittsburgh and time deposits of federally insured institutions. The Company faces competition for the attraction of deposits and origination of loans. The Company's direct competition for deposits has historically come from the several financial institutions operating in its market areas and, to a lesser extent, from other financial service companies such as brokerage firms, credit unions and insurance companies. The Company is subject to regulation, supervision and examination by the Federal Reserve Board and the OCC, its main federal regulator, and by the FDIC, as insurer of its deposits.
Executives
| Kevin J Gallagher |
officer: Chief Lending Officer of Sub |
3993 HUNTINGDON PIKE, 3RD FLOOR HUNTINGDON VALLEY PA 19006 |
| Joseph Svetik |
director, officer: President and CEO |
200 PALMER STREET, STROUDSBURG PA 18360 |
Polonia Bancorp (Polonia Bancorp) Headlines
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
Portfolio Contest
PBCP has been successfully added to your