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Crazy Woman Creek Bancorp (Crazy Woman Creek Bancorp) Net Interest Margin (Bank Only) % : 3.65% (As of Jun. 2003)


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What is Crazy Woman Creek 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. Crazy Woman Creek Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2003 was $2.36 Mil. Crazy Woman Creek Bancorp's average earning assets for the quarter that ended in Jun. 2003 was $64.72 Mil. Therefore, Crazy Woman Creek Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2003 was 3.65%.


Crazy Woman Creek Bancorp Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Crazy Woman Creek 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.

* Premium members only.

Crazy Woman Creek Bancorp Net Interest Margin (Bank Only) % Chart

Crazy Woman Creek Bancorp Annual Data
Trend Sep96 Sep97 Sep98 Sep99 Sep00 Sep01 Sep02
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 3.40 3.32 3.00 2.78 3.41

Crazy Woman Creek Bancorp Quarterly Data
Sep98 Dec98 Mar99 Jun99 Sep99 Dec99 Mar00 Jun00 Sep00 Dec00 Mar01 Jun01 Sep01 Dec01 Mar02 Jun02 Sep02 Dec02 Mar03 Jun03
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 3.40 3.72 3.78 3.70 3.65

Competitive Comparison of Crazy Woman Creek Bancorp's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Crazy Woman Creek 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.


Crazy Woman Creek Bancorp's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

* The bar in red indicates where Crazy Woman Creek Bancorp's Net Interest Margin (Bank Only) % falls into.



Crazy Woman Creek 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).

Crazy Woman Creek Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Sep. 2002 is calculated as

Net Interest Margin (Bank Only) %(A: Sep. 2002 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Sep. 2001 ) + Earning Assets (A: Sep. 2002 ))/ count )
=2.157/( (59.061 + 67.448)/ 2 )
=2.157/63.2545
=3.41 %

where

Earning Assets(A: Sep. 2001 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 37.058 + 22.003
=59.061

Earning Assets(A: Sep. 2002 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 49.339 + 18.109
=67.448

Crazy Woman Creek Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2003 is calculated as

Net Interest Margin (Bank Only) %(Q: Jun. 2003 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Mar. 2003 ) + Earning Assets (Q: Jun. 2003 ))/ count )
=2.364/( (63.911 + 65.532)/ 2 )
=2.364/64.7215
=3.65 %

where

Earning Assets(Q: Mar. 2003 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 50.986 + 12.925
=63.911

Earning Assets(Q: Jun. 2003 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 50.965 + 14.567
=65.532

* 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. 2003) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Crazy Woman Creek Bancorp  (OTCPK:CRZY) 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.


Crazy Woman Creek Bancorp Net Interest Margin (Bank Only) % Related Terms

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Crazy Woman Creek Bancorp (Crazy Woman Creek Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
106 Fort Street, P.O. Box 1020, Buffalo, WY, USA, 82834-1020
Crazy Woman Creek Bancorp Inc is a bank holding company engages in the provision of various financial services to individual and corporate customers. The company offers a variety of deposit products to its customers while concentrating its lending activities on real estate loans. These real estate lending activities focus on the origination of loans secured by one-to-four family residential real estate, multi-family, commercial real estate and home equity loans.

Crazy Woman Creek Bancorp (Crazy Woman Creek Bancorp) Headlines

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