Citizens Financial Bank, Inc.
Glasgow, KY — Domestic Branch of a Domestic Bank
Acquired Feb 2005
Net Interest Margin Over Time
| Net Interest Margin | Citizens Financial Bank, Inc. | All Insured Commercial Banks in Kentucky |
| 12-31-2004 | 2.775 | 4.13 |
| 09-30-2004 | 2.595 | 4.099 |
| 06-30-2004 | 2.552 | 4.081 |
| 03-31-2004 | 2.822 | 4.077 |
| 12-31-2003 | 3.025 | 4.064 |
| 09-30-2003 | 3.053 | 4.044 |
| 06-30-2003 | 3.094 | 4.039 |
| 03-31-2003 | 3.141 | 4.05 |
| 12-31-2002 | 2.715 | 4.146 |