Heritage National Bank
Granbury, TX — Domestic Branch of a Domestic Bank
Acquired Oct 2005
Net Interest Margin Over Time
| Net Interest Margin | Heritage National Bank | All Insured Commercial Banks in Texas |
| 09-30-2005 | 3.414 | 4.458 |
| 06-30-2005 | 3.331 | 4.405 |
| 03-31-2005 | 3.263 | 4.377 |
| 12-31-2004 | 3.359 | 4.362 |
| 09-30-2004 | 3.369 | 4.344 |
| 06-30-2004 | 3.356 | 4.301 |
| 03-31-2004 | 3.369 | 4.304 |
| 12-31-2003 | 3.423 | 4.327 |
| 09-30-2003 | 3.43 | 4.323 |
| 06-30-2003 | 3.454 | 4.347 |
| 03-31-2003 | 3.45 | 4.348 |
| 12-31-2002 | 3.959 | 4.573 |