Flora Bank & Trust
Flora, IL — State Member Bank
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Net Interest Margin Over Time
| Net Interest Margin | Flora Bank & Trust | All Insured Commercial Banks in Illinois |
| 12-31-2016 | 3.6 | 3.499 |
| 09-30-2016 | 3.596 | 3.502 |
| 06-30-2016 | 3.544 | 3.495 |
| 03-31-2016 | 3.507 | 3.487 |
| 12-31-2015 | 3.198 | 3.487 |
| 09-30-2015 | 3.139 | 3.478 |
| 06-30-2015 | 3.041 | 3.453 |
| 03-31-2015 | 2.946 | 3.418 |
| 12-31-2014 | 3.019 | 3.485 |
| 09-30-2014 | 3.022 | 3.46 |
| 06-30-2014 | 2.991 | 3.443 |
| 03-31-2014 | 2.917 | 3.416 |
| 12-31-2013 | 2.973 | 3.428 |
| 09-30-2013 | 2.948 | 3.4 |
| 06-30-2013 | 2.909 | 3.374 |
| 03-31-2013 | 2.968 | 3.361 |
| 12-31-2012 | 3.283 | 3.573 |
| 09-30-2012 | 3.251 | 3.585 |
| 06-30-2012 | 3.205 | 3.59 |
| 03-31-2012 | 3.15 | 3.604 |
| 12-31-2011 | 3.125 | 3.692 |
| 09-30-2011 | 3.073 | 3.686 |
| 06-30-2011 | 2.947 | 3.652 |
| 03-31-2011 | 2.957 | 3.614 |
| 12-31-2010 | 3.45 | 3.707 |
| 09-30-2010 | 3.511 | 3.712 |
| 06-30-2010 | 3.561 | 3.694 |
| 03-31-2010 | 3.605 | 3.664 |
| 12-31-2009 | 3.642 | 3.579 |
| 09-30-2009 | 3.626 | 3.56 |
| 06-30-2009 | 3.54 | 3.538 |
| 03-31-2009 | 3.467 | 3.54 |
| 12-31-2008 | 3.67 | 3.56 |
| 09-30-2008 | 3.603 | 3.558 |
| 06-30-2008 | 3.66 | 3.533 |
| 03-31-2008 | 3.798 | 3.519 |
| 12-31-2007 | 3.621 | 3.667 |
| 09-30-2007 | 3.605 | 3.677 |
| 06-30-2007 | 3.602 | 3.662 |
| 03-31-2007 | 3.599 | 3.626 |
| 12-31-2006 | 3.339 | 3.765 |
| 09-30-2006 | 3.308 | 3.793 |
| 06-30-2006 | 3.214 | 3.805 |
| 03-31-2006 | 3.142 | 3.781 |
| 12-31-2005 | 3.396 | 3.876 |
| 09-30-2005 | 3.465 | 3.884 |
| 06-30-2005 | 3.444 | 3.873 |
| 03-31-2005 | 3.548 | 3.831 |
| 12-31-2004 | 3.401 | 3.852 |
| 09-30-2004 | 3.362 | 3.831 |
| 06-30-2004 | 3.377 | 3.815 |
| 03-31-2004 | 3.545 | 3.814 |
| 12-31-2003 | 3.995 | 3.819 |
| 09-30-2003 | 4.012 | 3.828 |
| 06-30-2003 | 4.001 | 3.842 |
| 03-31-2003 | 4.146 | 3.863 |
| 12-31-2002 | 4.41 | 3.995 |