Heritage Co-Operative Bank
Salem, MA — Domestic Branch of a Domestic Bank
Acquired Feb 2006
Net Interest Margin Over Time
| Net Interest Margin | Heritage Co-Operative Bank | All Insured Savings Banks in Massachusetts |
| 12-31-2005 | 3.573 | 3.409 |
| 09-30-2005 | 3.676 | 3.434 |
| 06-30-2005 | 3.729 | 3.45 |
| 03-31-2005 | 3.708 | 3.451 |
| 12-31-2004 | 3.497 | 3.429 |
| 09-30-2004 | 3.442 | 3.416 |
| 06-30-2004 | 3.417 | 3.424 |
| 03-31-2004 | 3.453 | 3.462 |
| 12-31-2003 | 3.525 | 3.452 |
| 09-30-2003 | 3.61 | 3.467 |
| 06-30-2003 | 3.854 | 3.517 |
| 03-31-2003 | 3.918 | 3.56 |
| 12-31-2002 | 3.267 | 3.675 |