Net Interest Margin


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Related to Net Interest Margin: Capital adequacy ratio

Net Interest Margin

A measure of the return on a company's investments relative to its interest expenses. The net interest margin helps a company determine whether or not it has made wise investment decisions. A negative net interest margin indicates that interest expenses exceed investment returns and that the company therefore has a net negative return. A positive net interest margin indicates the opposite. It is calculated thusly:

Net interest margin = (Investment returns - interest expenses) / Average earning assets.
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These factors should enable us to improve our net interest margin, one of our priorities for achieving higher profitability.
FIRST OF AMERICA BANK CORP. REPORTS 3RD QUARTER RESULTS; 3RD QTR EARNINGS PER SHARE $0.96 WITH RETURN ON EQUITY AT 15.06 PERCENT
Year-to-date, the 246 basis point increase in the efficiency ratio was due in part to the net interest margin deterioration (194 basis points) and lower gains on the sales of securities and loans (53 basis points).
FIRST OF AMERICA BANK CORP. REPORTS 2ND QUARTER RESULTS; 2ND QTR EARNINGS PER SHARE $.88; AND YTD NET INCOME DOWN 5.7% WITH RETURN ON ASSETS AT 1.04%
Banc One manages the components of net interest margin through the pricing of assets and liabilities, and the use of interest rate swaps of which the notional amount is not included in earning assets.
BANC ONE REPORTS RECORD FIRST QUARTER 1994 RESULTS
Payments on the Net Interest Margin Trust certificates are affected by both losses and prepayments on the underlying manufactured housing contracts.
GREEN TREE SECURITIZED NET INTEREST MARGIN CERTIFICATES 1994-A RATED 'BBB+' BY FITCH -- FITCH FINANCIAL WIRE --
91 percent a year ago, primarily because of the lower net interest margin and the resulting level net interest income from the fourth quarter of 1992.
FIRST OF AMERICA BANK CORP. REPORTS RECORD 1993 NET INCOME AND ROA 1.20%
For the full year, adjusted net interest margin was 3.
FIRST CHICAGO REPORTS RECORD 1993 EARNINGS OF $8.78 PER SHARE; 4th QUARTER NET INCOME TOTALS $173 MILLION, OR $1.81 PER SHARE
The updated cash flow modeling criteria will affect the way net interest margin securities (NIMs) are analyzed and sized by Fitch.
Fitch Announces Intex-based Cash Flow Model For U.S. RMBS
64 percent net interest margin may be vulnerable to rising interest rates, the company could offset any margin shrinkage through better operating efficiency.
NORWEST CORP. SENIOR SHELF 'AA', COMMERCIAL PAPER 'F-1+' BY FITCH -- FITCH FINANCIAL WIRE --
At the same time, our deposit growth has not met our expectations, and the use of higher cost funding sources has had a negative impact on our net interest margin.
Pacific Capital Bancorp Announces Preliminary Results for Second Quarter of 2006
For the quarter ended March 31, 2006, the Bank's net interest margin grew 12 bps to 5.
Allegiance Bank of North America Reports Strong Operating Results for Quarter Ended March 31, 2006
1st Century") (OTCBB:FCNA) announced today that strong growth in assets, loans and deposits and an expanding net interest margin contributed to improved financial performance for the period ended March 31, 2006.
1st Century Bank, N.A. Announces Earnings for the Quarter Ended March 31, 2006
Service 1st Bancorp's wholly owned subsidiary Service 1st Bank continues to reflect strong asset growth coupled with lower net income primarily due to the branch office expansion into Lodi and higher interest expense which has compressed net interest margins," said John O.
Service 1st Bancorp Announces Third Quarter Results

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