KFED » Topics » Net Interest Income

This excerpt taken from the KFED 10-Q filed May 6, 2008.
Net Interest Income.  Net income before provision for loan losses increased $557,000 or 12.3%, to $5.1 million for the three months ended March 31, 2008 from $4.5 million for the three months ended March 31, 2007.  The increase was attributable to an increase in the net interest margin as a result of higher yielding multifamily and non-residential loans.  The net interest margin increased 7 basis points to 2.51% for the three months ended March 31, 2008 from 2.44% for the three months ended March 31, 2007.
 
This excerpt taken from the KFED 10-Q filed Feb 8, 2008.
Net Interest Income.  Net income before provision for loan losses increased $377,000 or 8.6%, to $4.8 million for the three months ended December 31, 2007 from $4.4 million for the three months ended December 31, 2006.  The increase was attributable to an increase in the net interest margin as a result of higher yielding multifamily and non-residential loans.  The net interest margin increased 7 basis points to 2.45% for the three months ended December 31, 2007 from 2.38% for the three months ended December 31, 2006.
 
This excerpt taken from the KFED 10-Q filed May 9, 2007.
Net Interest Income. Net income before provision for loan losses decreased $167,000 or 1.2%, to $13.5 million for the three months ended March 31, 2007 from $13.7 million for the nine months ended March 31, 2006. The decline was attributable to continued compression in our net interest margin as a result of the inverted yield curve. As a result, the net interest margin decreased 22 basis points from 2.67% for the nine months ended March 31, 2006 to 2.45% for the three months ended March 31, 2007.

 

This excerpt taken from the KFED 10-Q filed Feb 12, 2007.
Net Interest Income. Net income before provision for loan losses decreased $198,000, or 4.3% from $4.6 million for the three months ended December 31, 2005 to $4.4 million for the three months ended December 31, 2006. The decline was attributable to continued compression in out net interest margin as a result of the continued flattening of the yield curve. As a result, the net interest margin decreased 22 basis points from 2.60% for the three months ended December 31, 2005 to 2.38% for the three months ended December 31, 2006.

This excerpt taken from the KFED 10-Q filed Feb 8, 2007.
Net Interest Income. Net income before provision for loan losses decreased $198,000 or 4.3%, from $4.6 million for the three months ended December 31, 2006 to $4.4 million for the three months ended December 31, 2006. The decline was attributable to continued compression in out net interest margin as a result of the continued flattening of the yield curve. As a result, the net interest margin decreased 22 basis points from 2.60% for the three months ended December 31, 2005 to 2.38% for the three months ended December 31, 2006.

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