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Pulaski Financial (Pulaski Financial) Net Interest Margin (Bank Only) % : 3.17% (As of Dec. 2015)


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What is Pulaski Financial 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. Pulaski Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2015 was $46.83 Mil. Pulaski Financial's average earning assets for the quarter that ended in Dec. 2015 was $1,478.03 Mil. Therefore, Pulaski Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2015 was 3.17%.


Pulaski Financial Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Pulaski Financial'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.

Pulaski Financial Net Interest Margin (Bank Only) % Chart

Pulaski Financial Annual Data
Trend Sep06 Sep07 Sep08 Sep09 Sep10 Sep11 Sep12 Sep13 Sep14 Sep15
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.76 3.89 3.76 3.44 3.28

Pulaski Financial 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 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 3.33 3.28 3.34 3.19 3.17

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

For the Banks - Regional subindustry, Pulaski Financial'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.


Pulaski Financial's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Pulaski Financial 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).

Pulaski Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Sep. 2015 is calculated as

Net Interest Margin (Bank Only) %(A: Sep. 2015 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Sep. 2014 ) + Earning Assets (A: Sep. 2015 ))/ count )
=44.378/( (1284.037 + 1421.486)/ 2 )
=44.378/1352.7615
=3.28 %

where

Earning Assets(A: Sep. 2014 )
=Money Market Investments + Net Loan + Securities & Investments
=67.803 + 1174.803 + 41.431
=1284.037

Earning Assets(A: Sep. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=67.787 + 1306.171 + 47.528
=1421.486

Pulaski Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2015 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2015 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2015 ) + Earning Assets (Q: Dec. 2015 ))/ count )
=46.828/( (1421.486 + 1534.567)/ 2 )
=46.828/1478.0265
=3.17 %

where

Earning Assets(Q: Sep. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=67.787 + 1306.171 + 47.528
=1421.486

Earning Assets(Q: Dec. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=74.754 + 1411.904 + 47.909
=1534.567

* 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.


Pulaski Financial  (NAS:PULB) 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.


Pulaski Financial Net Interest Margin (Bank Only) % Related Terms

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Pulaski Financial (Pulaski Financial) Business Description

Industry
Traded in Other Exchanges
N/A
Address
Pulaski Financial Corp was founded in 1922. The Company is a holding company for Pulaski Bank that provides financial products and services for businesses and retail customers through its thirteen full-service offices in the St. Louis metropolitan area and residential mortgage loan production offices in the St. Louis, Kansas City, Chicago and Omaha-Council-Bluffs metropolitan areas, mid-Missouri, southwestern Missouri, eastern Kansas, and Lincoln, Nebraska. Pulaski Bank is engaged in attracting deposits from individuals and businesses and using these deposits, together with borrowed funds, to originate and retain commercial real estate and commercial and industrial loans within its St. Louis lending market and one-to-four-family residential mortgage loans within its St. Louis, Kansas City and Omaha-Council Bluffs lending markets. In addition, the Bank originates one- to four-family residential mortgage loans for sale in the secondary market in the other markets. The Company competes for loans from other financial institutions, mortgage banking companies and mortgage brokers.
Executives
Stanley J Bradshaw director 900 ROOSEVELT PARKWAY, CHESTERFIELD MO 63017
Lee S Wielansky director PAUL HASTINGS, 75 EAST 55TH STREET, NEW YORK NY 10022
Leon A Felman director 25 WEST BRENTMOOR PARK, CLAYTON MO 63105
Ramsey K Hamadi officer: Chief Financial Officer C/O AMERICAN NATIONAL BANK & TRUST CO., 628 MAIN STREET, DANVILLE VA 24541
Christopher K Reichert director, officer: Executive Vice President C/O PULASKI FINANCIAL CORP, 12300 OLIVE BLVD, ST LOUIS MO 63141

Pulaski Financial (Pulaski Financial) Headlines

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