First National Bank Of Scotia
Scotia, NY — National Bank
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Net Interest Margin Over Time
| Net Interest Margin | First National Bank Of Scotia | All Insured Commercial Banks in New York |
| 12-31-2016 | 3.465 | 3.19 |
| 09-30-2016 | 3.399 | 3.191 |
| 06-30-2016 | 3.393 | 3.187 |
| 03-31-2016 | 3.376 | 3.145 |
| 12-31-2015 | 3.426 | 3.147 |
| 09-30-2015 | 3.355 | 3.142 |
| 06-30-2015 | 3.36 | 3.142 |
| 03-31-2015 | 3.372 | 3.146 |
| 12-31-2014 | 3.599 | 3.226 |
| 09-30-2014 | 3.574 | 3.232 |
| 06-30-2014 | 3.575 | 3.199 |
| 03-31-2014 | 3.568 | 3.193 |
| 12-31-2013 | 3.502 | 3.203 |
| 09-30-2013 | 3.44 | 3.196 |
| 06-30-2013 | 3.449 | 3.196 |
| 03-31-2013 | 3.483 | 3.205 |
| 12-31-2012 | 3.665 | 3.354 |
| 09-30-2012 | 3.655 | 3.382 |
| 06-30-2012 | 3.702 | 3.388 |
| 03-31-2012 | 3.81 | 3.424 |
| 12-31-2011 | 3.92 | 3.492 |
| 09-30-2011 | 3.93 | 3.5 |
| 06-30-2011 | 3.976 | 3.484 |
| 03-31-2011 | 3.971 | 3.491 |
| 12-31-2010 | 4.17 | 3.486 |
| 09-30-2010 | 4.165 | 3.516 |
| 06-30-2010 | 4.163 | 3.497 |
| 03-31-2010 | 4.205 | 3.479 |
| 12-31-2009 | 4.235 | 3.401 |
| 09-30-2009 | 4.204 | 3.415 |
| 06-30-2009 | 4.214 | 3.352 |
| 03-31-2009 | 4.329 | 3.338 |
| 12-31-2008 | 4.603 | 3.461 |
| 09-30-2008 | 4.542 | 3.49 |
| 06-30-2008 | 4.444 | 3.471 |
| 03-31-2008 | 4.356 | 3.494 |
| 12-31-2007 | 4.61 | 3.639 |
| 09-30-2007 | 4.542 | 3.66 |
| 06-30-2007 | 4.532 | 3.643 |
| 03-31-2007 | 4.534 | 3.663 |
| 12-31-2006 | 4.593 | 3.733 |
| 09-30-2006 | 4.517 | 3.735 |
| 06-30-2006 | 4.451 | 3.771 |
| 03-31-2006 | 4.406 | 3.78 |
| 12-31-2005 | 4.45 | 3.805 |
| 09-30-2005 | 4.408 | 3.809 |
| 06-30-2005 | 4.358 | 3.795 |
| 03-31-2005 | 4.305 | 3.787 |
| 12-31-2004 | 4.267 | 3.715 |
| 09-30-2004 | 4.235 | 3.657 |
| 06-30-2004 | 4.243 | 3.678 |
| 03-31-2004 | 4.314 | 3.659 |
| 12-31-2003 | 4.643 | 3.735 |
| 09-30-2003 | 4.679 | 3.752 |
| 06-30-2003 | 4.764 | 3.811 |
| 03-31-2003 | 4.821 | 3.835 |
| 12-31-2002 | 5.142 | 4.072 |