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Hampton Roads Bankshares (Hampton Roads Bankshares) Net Interest Margin (Bank Only) % : 3.54% (As of Sep. 2017)


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What is Hampton Roads Bankshares 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. Hampton Roads Bankshares's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2017 was $100.9 Mil. Hampton Roads Bankshares's average earning assets for the quarter that ended in Sep. 2017 was $2,854.2 Mil. Therefore, Hampton Roads Bankshares's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2017 was 3.54%.


Hampton Roads Bankshares Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Hampton Roads Bankshares'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.

Hampton Roads Bankshares Net Interest Margin (Bank Only) % Chart

Hampton Roads Bankshares Annual Data
Trend Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.46 3.52 3.35 3.39 3.30

Hampton Roads Bankshares Quarterly Data
Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17
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 3.90 3.36 3.48 3.50 3.54

Competitive Comparison of Hampton Roads Bankshares's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Hampton Roads Bankshares'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.


Hampton Roads Bankshares's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Hampton Roads Bankshares 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).

Hampton Roads Bankshares's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2016 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2016 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2015 ) + Earning Assets (A: Dec. 2016 ))/ count )
=76.869/( (1769.823 + 2887.244)/ 2 )
=76.869/2328.5335
=3.30 %

where

Earning Assets(A: Dec. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=55.854 + 1515.795 + 198.174
=1769.823

Earning Assets(A: Dec. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=127.685 + 2442.116 + 317.443
=2887.244

Hampton Roads Bankshares's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2017 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2017 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2017 ) + Earning Assets (Q: Sep. 2017 ))/ count )
=100.9/( (2816.456 + 2891.879)/ 2 )
=100.9/2854.1675
=3.54 %

where

Earning Assets(Q: Jun. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=146.426 + 2353.567 + 316.463
=2816.456

Earning Assets(Q: Sep. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=158.839 + 2427.272 + 305.768
=2891.879

* 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. 2017) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Hampton Roads Bankshares  (NAS:HMPR) 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.


Hampton Roads Bankshares Net Interest Margin (Bank Only) % Related Terms

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Hampton Roads Bankshares (Hampton Roads Bankshares) Business Description

Traded in Other Exchanges
N/A
Address
Xenith Bankshares Inc. is US-based commercial bank which is engaged in general community and commercial banking business. The company offers a broad range of interest-bearing and noninterest-bearing deposit accounts, including commercial and retail checking accounts. It provides loan and advances and lending products to commercial and industrial, construction, real estate-commercial mortgage, real estate-residential mortgage and for various business purposes. The company also offers mortgage banking services such as originating and processing mortgage loans for sale to the secondary market. Its reportable segments are mortgage and corporate. The company's primary source of revenue comprises of interest income and fees earned from lending and investment activities.
Executives
Snead Thomas G Jr director 1100 BOULDERS PARKWAY, RICHMOND VA 23225
Judy Carol Gavant officer: SVP/Chief Accounting Officer ONE JAMES CENTER, 901 EAST CARY STREET, SUITE 1700, RICHMOND VA 23219
Edward Grebow director
James Floyd Burr director 301 SOUTH COLLEGE STREET, CHARLOTTE NC 28288
Scott A. Reed director 901 E. CARY STREET, ONE JAMES CENTER, SUITE 1700, RICHMOND VA 23219
Patrick E. Corbin director 999 WATERSIDE DR., STE. 200, NORFOLK VA 23510
Robert Goldstein 10 percent owner
Eugene Ludwig director, 10 percent owner 280 PARK AVENUE, 40TH FLOOR WEST, SUITE 401, NEW YORK NY 10017
John S Poelker director C/O 420 MAIN STREET, EVANSVILLE IN 47708
Jon F Weber director 641 LYNNHAVEN PARKWAY, VIRGINIA BEACH VA 23457
Stephen J Gurgovits director
Stephen P Theobald officer: Chief Financial Officer & EVP 999 WATERSIDE DRIVE, SUITE 200, NORFOLK VA 23510
Tc Group Cayman Investment Holdings, L.p. 10 percent owner C/O WALKERS CORPORATE SERVICES LIMITED, 190 ELGIN AVENUE, GEORGE TOWN, GRAND CAYMAN E9 KY1-9001
Carlyle Financial Services Harbor, L.p. 10 percent owner C/O THE CARLYLE GROUP, 1001 PENNSYLVANIA AVENUE, NW, WASHINGTON DC 20004-2505
Carlyle Financial Services, Ltd. 10 percent owner C/O THE CARLYLE GROUP, 1001 PENNSYLVANIA AVENUE, NW, WASHINGTON DC 20004-2505

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