Bsb Bank & Trust Company
Binghamton, NY — Domestic Branch of a Domestic Bank
Acquired Jul 2004
Net Interest Margin Over Time
| Net Interest Margin | Bsb Bank & Trust Company | All Insured Commercial Banks in New York |
| 06-30-2004 | 3.434 | 3.678 |
| 03-31-2004 | 3.505 | 3.659 |
| 12-31-2003 | 3.803 | 3.735 |
| 09-30-2003 | 3.851 | 3.752 |
| 06-30-2003 | 3.956 | 3.811 |
| 03-31-2003 | 4.124 | 3.835 |
| 12-31-2002 | 4.201 | 4.072 |