First Heritage Bank
Wilkes-Barre, PA — Domestic Branch of a Domestic Bank
Acquired May 2004
Net Interest Margin Over Time
| Net Interest Margin | First Heritage Bank | All Insured Commercial Banks in Pennsylvania |
| 03-31-2004 | 3.413 | 3.726 |
| 12-31-2003 | 3.249 | 3.764 |
| 09-30-2003 | 3.213 | 3.773 |
| 06-30-2003 | 3.186 | 3.824 |
| 03-31-2003 | 3.165 | 3.846 |
| 12-31-2002 | 3.386 | 3.993 |