Fulton Savings Bank
Fulton, NY — State Savings Bank
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Net Interest Margin Over Time
| Net Interest Margin | Fulton Savings Bank | All Insured Savings Banks in New York |
| 12-31-2016 | 4.142 | 3.356 |
| 09-30-2016 | 4.136 | 3.346 |
| 06-30-2016 | 4.178 | 3.359 |
| 03-31-2016 | 4.273 | 3.364 |
| 12-31-2015 | 4.43 | 3.342 |
| 09-30-2015 | 3.982 | 3.342 |
| 06-30-2015 | 4.102 | 3.34 |
| 03-31-2015 | 4.398 | 3.359 |
| 12-31-2014 | 4.385 | 3.401 |
| 09-30-2014 | 4.382 | 3.407 |
| 06-30-2014 | 4.309 | 3.408 |
| 03-31-2014 | 4.383 | 3.418 |
| 12-31-2013 | 4.4 | 3.36 |
| 09-30-2013 | 4.363 | 3.431 |
| 06-30-2013 | 4.354 | 3.424 |
| 03-31-2013 | 4.325 | 3.409 |
| 12-31-2012 | 4.549 | 3.496 |
| 09-30-2012 | 4.555 | 3.358 |
| 06-30-2012 | 4.589 | 3.397 |
| 03-31-2012 | 4.613 | 3.422 |
| 12-31-2011 | 4.698 | 3.327 |
| 09-30-2011 | 4.641 | 3.235 |
| 06-30-2011 | 4.636 | 3.252 |
| 03-31-2011 | 4.614 | 3.279 |
| 12-31-2010 | 4.439 | 3.153 |
| 09-30-2010 | 4.434 | 3.136 |
| 06-30-2010 | 4.414 | 3.119 |
| 03-31-2010 | 4.462 | 3.098 |
| 12-31-2009 | 4.089 | 3.07 |
| 09-30-2009 | 4.081 | 3.053 |
| 06-30-2009 | 3.996 | 3.082 |
| 03-31-2009 | 3.952 | 3.049 |
| 12-31-2008 | 3.612 | 3.017 |
| 09-30-2008 | 3.552 | 2.953 |
| 06-30-2008 | 3.516 | 2.855 |
| 03-31-2008 | 3.32 | 2.828 |
| 12-31-2007 | 3.317 | 3.11 |
| 09-30-2007 | 3.347 | 3.065 |
| 06-30-2007 | 3.325 | 3.057 |
| 03-31-2007 | 3.279 | 3.065 |
| 12-31-2006 | 3.206 | 3.187 |
| 09-30-2006 | 3.217 | 3.223 |
| 06-30-2006 | 3.217 | 3.188 |
| 03-31-2006 | 3.189 | 3.178 |
| 12-31-2005 | 3.495 | 3.435 |
| 09-30-2005 | 3.506 | 3.977 |
| 06-30-2005 | 3.603 | 3.47 |
| 03-31-2005 | 3.632 | 3.482 |
| 12-31-2004 | 3.79 | 3.515 |
| 09-30-2004 | 3.762 | 3.448 |
| 06-30-2004 | 3.764 | 3.455 |
| 03-31-2004 | 3.69 | 3.574 |
| 12-31-2003 | 4.274 | 3.574 |
| 09-30-2003 | 4.36 | 3.605 |
| 06-30-2003 | 4.439 | 3.656 |
| 03-31-2003 | 4.507 | 3.717 |
| 12-31-2002 | 4.34 | 3.829 |