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RAIT Financial Trust (RAIT Financial Trust) Net Interest Margin (Bank Only) % : -1.25% (As of Jun. 2019)


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What is RAIT Financial Trust 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. RAIT Financial Trust's annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2019 was $-5.50 Mil. RAIT Financial Trust's average earning assets for the quarter that ended in Jun. 2019 was $441.52 Mil. Therefore, RAIT Financial Trust's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2019 was -1.25%.


RAIT Financial Trust Net Interest Margin (Bank Only) % Historical Data

The historical data trend for RAIT Financial Trust'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.

RAIT Financial Trust Net Interest Margin (Bank Only) % Chart

RAIT Financial Trust 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 3.32 4.13 3.25 -0.43 -0.43

RAIT Financial Trust Quarterly Data
Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19
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 0.18 -1.59 -2.30 -0.88 -1.25

Competitive Comparison of RAIT Financial Trust's Net Interest Margin (Bank Only) %

For the REIT - Diversified subindustry, RAIT Financial Trust'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.


RAIT Financial Trust's Net Interest Margin (Bank Only) % Distribution in the REITs Industry

For the REITs industry and Real Estate sector, RAIT Financial Trust's Net Interest Margin (Bank Only) % distribution charts can be found below:

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



RAIT Financial Trust 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).

RAIT Financial Trust'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 )
=-4.242/( (1413.638 + 548.001)/ 2 )
=-4.242/980.8195
=-0.43 %

where

Earning Assets(A: Dec. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=157.914 + 1255.724 + 0
=1413.638

Earning Assets(A: Dec. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=63.067 + 484.934 + 0
=548.001

RAIT Financial Trust's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2019 is calculated as

Net Interest Margin (Bank Only) %(Q: Jun. 2019 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Mar. 2019 ) + Earning Assets (Q: Jun. 2019 ))/ count )
=-5.504/( (487.648 + 395.389)/ 2 )
=-5.504/441.5185
=-1.25 %

where

Earning Assets(Q: Mar. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=65 + 422.648 + 0
=487.648

Earning Assets(Q: Jun. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=29.282 + 366.107 + 0
=395.389

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


RAIT Financial Trust  (OTCPK:RASJQ.PFD) 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.


RAIT Financial Trust Net Interest Margin (Bank Only) % Related Terms

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RAIT Financial Trust (RAIT Financial Trust) Business Description

Industry
Traded in Other Exchanges
N/A
Address
100 North 18th Street, Two Logan Square, 23rd Floor, Philadelphia, PA, USA, 19103
RAIT Financial Trust is a United States-based real estate investment trust. Through its subsidiaries, the company invests in and manages a portfolio of commercial real estate (CRE) loans and properties. It operates in the business segment of real estate lending, owning and managing segment which focuses on lending, owning and managing commercial real estate assets throughout the United States. The form of the company's investments ranged from first mortgage loans to equity ownership of a commercial real estate property. It derives main revenue in the form of property income.

RAIT Financial Trust (RAIT Financial Trust) Headlines

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