First National Bank
Saint Marys, GA — Domestic Branch of a Domestic Bank
Acquired Dec 2005
Net Interest Margin Over Time
| Net Interest Margin | First National Bank | All Insured Commercial Banks in Georgia |
| 09-30-2005 | 4.924 | 4.517 |
| 06-30-2005 | 5.506 | 4.464 |
| 03-31-2005 | 6.393 | 4.388 |
| 12-31-2004 | 5.756 | 4.386 |
| 09-30-2004 | 5.75 | 4.37 |
| 06-30-2004 | 5.79 | 4.329 |
| 03-31-2004 | 5.668 | 4.334 |
| 12-31-2003 | 5.111 | 4.329 |
| 09-30-2003 | 5.07 | 4.316 |
| 06-30-2003 | 4.944 | 4.278 |
| 03-31-2003 | 4.986 | 4.252 |
| 12-31-2002 | 5.316 | 4.478 |