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Thomasville Bancshares (Thomasville Bancshares) Net Interest Margin (Bank Only) % : 4.56% (As of Dec. 2022)


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What is Thomasville Bancshares 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. Thomasville Bancshares's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2022 was $53.61 Mil. Thomasville Bancshares's average earning assets for the quarter that ended in Dec. 2022 was $1,174.76 Mil. Therefore, Thomasville Bancshares's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2022 was 4.56%.


Thomasville Bancshares Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Thomasville Bancshares'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.

Thomasville Bancshares Net Interest Margin (Bank Only) % Chart

Thomasville Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.01 4.11 4.14 4.01 4.56

Thomasville Bancshares Semi-Annual Data
Dec05 Dec06 Dec07 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
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 4.01 4.11 4.14 4.01 4.56

Competitive Comparison of Thomasville Bancshares's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Thomasville Bancshares'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.


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

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

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



Thomasville Bancshares 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).

Thomasville Bancshares's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2022 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2021 ) + Earning Assets (A: Dec. 2022 ))/ count )
=53.614/( (1105.373 + 1244.15)/ 2 )
=53.614/1174.7615
=4.56 %

where

Earning Assets(A: Dec. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=2.907 + 1102.226 + 0.24
=1105.373

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=4.528 + 1234.304 + 5.318
=1244.15

Thomasville Bancshares's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2022 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2021 ) + Earning Assets (Q: Dec. 2022 ))/ count )
=53.614/( (1105.373 + 1244.15)/ 2 )
=53.614/1174.7615
=4.56 %

where

Earning Assets(Q: Dec. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=2.907 + 1102.226 + 0.24
=1105.373

Earning Assets(Q: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=4.528 + 1234.304 + 5.318
=1244.15

* 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 one times the annual (Dec. 2022) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Thomasville Bancshares  (OTCPK:THVB) 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.


Thomasville Bancshares Net Interest Margin (Bank Only) % Related Terms

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Thomasville Bancshares (Thomasville Bancshares) Business Description

Traded in Other Exchanges
N/A
Address
301 North Broad Street, Thomasville, GA, USA, 31792
Thomasville Bancshares Inc is a holding company. The company operates two full-service banking offices in Thomasville, Georgia, and a full-service division located in St. Simons Island, Georgia. It provides integrated services ranging from checking to loans to investments. The bank provides personal banking, business banking, loans, mobile banking, and wealth management services. Its personal banking and business banking services include checking accounts and savings accounts. Its loans include mortgages, consumer loans, and commercial loans. The company offers customers a range of home-buying options from in-house lending to secondary market loans.
Executives
Hodges Charles H Iii director, officer: Executive Vice President 301 NORTH BROAD STREET, THOMASVILLE GA 31792
Charles E Hancock director
Mckinnon Charles W Jr director
Singletary Richard L Jr director
Diane W Parker director

Thomasville Bancshares (Thomasville Bancshares) Headlines

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