Heritage Community Bank
Glenwood, IL — Non-member Bank
Acquired Feb 2009
Net Interest Margin Over Time
| Net Interest Margin | Heritage Community Bank | All Insured Commercial Banks in Illinois |
| 12-31-2008 | 2.754 | 3.56 |
| 09-30-2008 | 2.956 | 3.558 |
| 06-30-2008 | 3.057 | 3.533 |
| 03-31-2008 | 3.224 | 3.519 |
| 12-31-2007 | 4.689 | 3.667 |
| 09-30-2007 | 5.122 | 3.677 |
| 06-30-2007 | 5.266 | 3.662 |
| 03-31-2007 | 5.069 | 3.626 |
| 12-31-2006 | 5.499 | 3.765 |
| 09-30-2006 | 5.55 | 3.793 |
| 06-30-2006 | 5.584 | 3.805 |
| 03-31-2006 | 5.435 | 3.781 |
| 12-31-2005 | 5.331 | 3.876 |
| 09-30-2005 | 5.171 | 3.884 |
| 06-30-2005 | 5.073 | 3.873 |
| 03-31-2005 | 5.022 | 3.831 |
| 12-31-2004 | 4.874 | 3.852 |
| 09-30-2004 | 4.773 | 3.831 |
| 06-30-2004 | 4.797 | 3.815 |
| 03-31-2004 | 4.592 | 3.814 |
| 12-31-2003 | 4.688 | 3.819 |
| 09-30-2003 | 4.79 | 3.828 |
| 06-30-2003 | 4.931 | 3.842 |
| 03-31-2003 | 4.99 | 3.863 |
| 12-31-2002 | 4.854 | 3.995 |