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Muncy Columbia Financial (Muncy Columbia Financial) Net Interest Margin (Bank Only) % : 3.23% (As of Mar. 2024)


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What is Muncy Columbia 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. Muncy Columbia Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2024 was $46.85 Mil. Muncy Columbia Financial's average earning assets for the quarter that ended in Mar. 2024 was $1,452.64 Mil. Therefore, Muncy Columbia Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 was 3.23%.


Muncy Columbia Financial Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Muncy Columbia 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.

Muncy Columbia Financial Net Interest Margin (Bank Only) % Chart

Muncy Columbia Financial Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec22 Dec23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.10 3.15 3.17 2.88 1.95

Muncy Columbia Financial Quarterly Data
Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Sep19 Sep20 Sep21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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 2.36 2.19 2.18 2.76 3.23

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

For the Banks - Regional subindustry, Muncy Columbia 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.


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

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

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



Muncy Columbia 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).

Muncy Columbia Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2022 ) + Earning Assets (A: Dec. 2023 ))/ count )
=22.944/( (870.37 + 1484.484)/ 2 )
=22.944/1177.427
=1.95 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=3.224 + 525.018 + 342.128
=870.37

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=10.394 + 1059.493 + 414.597
=1484.484

Muncy Columbia Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2023 ) + Earning Assets (Q: Mar. 2024 ))/ count )
=46.848/( (1484.484 + 1420.795)/ 2 )
=46.848/1452.6395
=3.23 %

where

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=10.394 + 1059.493 + 414.597
=1484.484

Earning Assets(Q: Mar. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=8.013 + 1072.01 + 340.772
=1420.795

* 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 (Mar. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Muncy Columbia Financial  (OTCPK:CCFN) 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.


Muncy Columbia Financial Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of Muncy Columbia Financial's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


Muncy Columbia Financial (Muncy Columbia Financial) Business Description

Traded in Other Exchanges
N/A
Address
232 East Street, P.O. Box 240, Bloomsburg, PA, USA, 17815
Muncy Columbia Financial Corp is a registered financial holding company. It has one subsidiary bank, Journey Bank, serving individuals, families, nonprofits and business clients throughout Clinton, Columbia, Lycoming, Montour, Northumberland, Sullivan and Clinton Counties through 22 banking offices.
Executives
Robert W Dillon director PO BOX 180, BLOOMSBURG PA 17815
Kile Willard H Jr director
Charles B Pursel director 120 WEST MAIN STREET, BLOOMSBURG PA 17815
P Jeffrey Hill director 2204 SHASTA DRIVE, BLOOMSBURG PA 17815
Jeffrey Thomas Arnold officer: Treasurer, CFO 1414 BRUSHY RIDGE ROAD, MONTOURSVILLE PA 17754
Gittler William F Jr director PMB 288, SUITE 1, 150 EAST NINTH ST., BLOOMSBURG PA 17815
Paul K Page officer: Senior Vice President 11 WEST MAIN STREET, BLOOMSBURG PA 17815
Shirley K Alters officer: Senior Vice President & CFO 19 APPLE LANE, BLOOMSBURG PA 17815
Steven H Shannon director PO BOX 803, BLOOMSBURG PA 17815
Glenn E Halterman director 1417 TREELINE DRIVE, BLOOMSBURG PA 17815
Naugle Mary Ann B director 68 VISTA ROAD, BERWICK PA 18603
Joanne I Keenan director 2 BITTERSWEET DRIVE, BLOOMSBURG PA 17815
Andrew B Pruden director THE INN AT TURKEY HILL, 991 CENTRAL ROAD, BLOOMSBURG PA 17815
Harding Elwood R Jr director
Mcmichael W Bruce Jr director 83 DEER PATH DR, BERWICK PA 18603

Muncy Columbia Financial (Muncy Columbia Financial) Headlines

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