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Citizens National Bancshares Bossier (Citizens National Bancshares Bossier) Net Interest Margin (Bank Only) % : 4.23% (As of Sep. 2096)


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What is Citizens National Bancshares Bossier 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. Citizens National Bancshares Bossier's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2096 was $20.40 Mil. Citizens National Bancshares Bossier's average earning assets for the quarter that ended in Sep. 2096 was $482.60 Mil. Therefore, Citizens National Bancshares Bossier's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2096 was 4.23%.


Citizens National Bancshares Bossier Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Citizens National Bancshares Bossier'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.

Citizens National Bancshares Bossier Net Interest Margin (Bank Only) % Chart

Citizens National Bancshares Bossier Annual Data
Trend Dec94 Dec95
Net Interest Margin (Bank Only) %
4.25 4.14

Citizens National Bancshares Bossier Quarterly Data
Sep94 Dec94 Mar95 Jun95 Sep95 Dec95 Mar96 Jun96 Sep96
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only 4.17 4.15 4.14 4.32 4.23

Competitive Comparison of Citizens National Bancshares Bossier's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Citizens National Bancshares Bossier'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.


Citizens National Bancshares Bossier's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

* The bar in red indicates where Citizens National Bancshares Bossier's Net Interest Margin (Bank Only) % falls into.



Citizens National Bancshares Bossier 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).

Citizens National Bancshares Bossier's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2095 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2095 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2094 ) + Earning Assets (A: Dec. 2095 ))/ count )
=17.5/( (402.5 + 443.9)/ 2 )
=17.5/423.2
=4.14 %

where

Earning Assets(A: Dec. 2094 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 196 + 206.5
=402.5

Earning Assets(A: Dec. 2095 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 223.6 + 220.3
=443.9

Citizens National Bancshares Bossier's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2096 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2096 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2096 ) + Earning Assets (Q: Sep. 2096 ))/ count )
=20.4/( (480.3 + 484.9)/ 2 )
=20.4/482.6
=4.23 %

where

Earning Assets(Q: Jun. 2096 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 271 + 209.3
=480.3

Earning Assets(Q: Sep. 2096 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 282.4 + 202.5
=484.9

* 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. 2096) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Citizens National Bancshares Bossier  (OTCPK:CNBL) 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.


Citizens National Bancshares Bossier Net Interest Margin (Bank Only) % Related Terms

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Citizens National Bancshares Bossier (Citizens National Bancshares Bossier) Business Description

Traded in Other Exchanges
N/A
Address
2711 East Texas Street, P.O. Box 6266, Bossier City, LA, USA, 71111
Citizens National Bancshares Bossier Inc is a United States-based company engaged in offering a complete array of banking products and services. It offers personal banking services, business banking services, mortgaged services, and investments services. The company's provision of services includes savings facility, loans, CDs and IRAs, credit cards, online and mobile banking, merchant services, cash management, and others.

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