First National Bank South
Alma, GA — National Bank
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Net Interest Margin Over Time
| Net Interest Margin | First National Bank South | All Insured Commercial Banks in Georgia |
| 12-31-2016 | 5.402 | 4.031 |
| 09-30-2016 | 5.392 | 4.028 |
| 06-30-2016 | 5.476 | 4.008 |
| 03-31-2016 | 5.652 | 4.018 |
| 12-31-2015 | 5.498 | 4.023 |
| 09-30-2015 | 5.484 | 3.993 |
| 06-30-2015 | 5.494 | 3.947 |
| 03-31-2015 | 5.596 | 3.907 |
| 12-31-2014 | 5.227 | 3.965 |
| 09-30-2014 | 5.198 | 3.953 |
| 06-30-2014 | 5.139 | 3.912 |
| 03-31-2014 | 4.858 | 3.851 |
| 12-31-2013 | 5.082 | 3.871 |
| 09-30-2013 | 5.159 | 3.845 |
| 06-30-2013 | 5.162 | 3.809 |
| 03-31-2013 | 5.245 | 3.753 |
| 12-31-2012 | 4.809 | 3.876 |
| 09-30-2012 | 4.796 | 3.863 |
| 06-30-2012 | 4.841 | 3.832 |
| 03-31-2012 | 4.695 | 3.802 |
| 12-31-2011 | 4.676 | 3.778 |
| 09-30-2011 | 4.632 | 3.736 |
| 06-30-2011 | 4.384 | 3.654 |
| 03-31-2011 | 4.229 | 3.548 |
| 12-31-2010 | 4.63 | 3.49 |
| 09-30-2010 | 4.602 | 3.452 |
| 06-30-2010 | 4.483 | 3.398 |
| 03-31-2010 | 4.327 | 3.366 |
| 12-31-2009 | 4.084 | 3.225 |
| 09-30-2009 | 3.968 | 3.188 |
| 06-30-2009 | 3.809 | 3.141 |
| 03-31-2009 | 3.692 | 3.091 |
| 12-31-2008 | 4.472 | 3.451 |
| 09-30-2008 | 4.632 | 3.539 |
| 06-30-2008 | 4.744 | 3.593 |
| 03-31-2008 | 5.012 | 3.695 |
| 12-31-2007 | 5.183 | 4.299 |
| 09-30-2007 | 5.202 | 4.362 |
| 06-30-2007 | 5.199 | 4.402 |
| 03-31-2007 | 5.356 | 4.392 |
| 12-31-2006 | 4.9 | 4.682 |
| 09-30-2006 | 4.814 | 4.707 |
| 06-30-2006 | 4.766 | 4.695 |
| 03-31-2006 | 4.816 | 4.589 |
| 12-31-2005 | 5.14 | 4.561 |
| 09-30-2005 | 5.226 | 4.517 |
| 06-30-2005 | 5.289 | 4.464 |
| 03-31-2005 | 5.168 | 4.388 |
| 12-31-2004 | 5.05 | 4.386 |
| 09-30-2004 | 5.054 | 4.37 |
| 06-30-2004 | 4.995 | 4.329 |
| 03-31-2004 | 4.814 | 4.334 |
| 12-31-2003 | 4.685 | 4.329 |
| 09-30-2003 | 4.655 | 4.316 |
| 06-30-2003 | 4.519 | 4.278 |
| 03-31-2003 | 4.33 | 4.252 |
| 12-31-2002 | 4.743 | 4.478 |