Heritage Community Bank
Quitman, GA — Domestic Branch of a Domestic Bank
Acquired Feb 2006
Net Interest Margin Over Time
| Net Interest Margin | Heritage Community Bank | All Insured Commercial Banks in Georgia |
| 12-31-2005 | 4.791 | 4.561 |
| 09-30-2005 | 4.687 | 4.517 |
| 06-30-2005 | 4.64 | 4.464 |
| 03-31-2005 | 4.309 | 4.388 |
| 12-31-2004 | 4.58 | 4.386 |
| 09-30-2004 | 4.592 | 4.37 |
| 06-30-2004 | 4.686 | 4.329 |
| 03-31-2004 | 4.723 | 4.334 |
| 12-31-2003 | 4.875 | 4.329 |
| 09-30-2003 | 4.903 | 4.316 |
| 06-30-2003 | 4.921 | 4.278 |
| 03-31-2003 | 5.059 | 4.252 |
| 12-31-2002 | 5.607 | 4.478 |