Net Interest Margin Over Time
Net Interest Margin Ellenville National Bank All Insured Commercial Banks in New York
12-31-2003 5.221 3.735
09-30-2003 5.275 3.752
06-30-2003 5.345 3.811
03-31-2003 5.394 3.835
12-31-2002 5.436 4.072