Heritage Oaks Bank
Paso Robles, CA — Non-member Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | Heritage Oaks Bank | All Insured Commercial Banks in California |
| 12-31-2016 | 3.724 | 3.784 |
| 09-30-2016 | 3.68 | 3.79 |
| 06-30-2016 | 3.696 | 3.803 |
| 03-31-2016 | 3.668 | 3.805 |
| 12-31-2015 | 3.835 | 3.756 |
| 09-30-2015 | 3.838 | 3.775 |
| 06-30-2015 | 3.882 | 3.782 |
| 03-31-2015 | 3.991 | 3.757 |
| 12-31-2014 | 4.099 | 3.825 |
| 09-30-2014 | 4.089 | 3.815 |
| 06-30-2014 | 4.06 | 3.815 |
| 03-31-2014 | 3.943 | 3.796 |
| 12-31-2013 | 4.151 | 3.877 |
| 09-30-2013 | 4.173 | 3.893 |
| 06-30-2013 | 4.184 | 3.9 |
| 03-31-2013 | 4.243 | 3.87 |
| 12-31-2012 | 4.634 | 4.052 |
| 09-30-2012 | 4.656 | 4.084 |
| 06-30-2012 | 4.701 | 4.092 |
| 03-31-2012 | 4.844 | 4.079 |
| 12-31-2011 | 4.859 | 4.087 |
| 09-30-2011 | 4.868 | 4.096 |
| 06-30-2011 | 4.878 | 4.111 |
| 03-31-2011 | 4.815 | 4.074 |
| 12-31-2010 | 4.604 | 4.047 |
| 09-30-2010 | 4.585 | 4.05 |
| 06-30-2010 | 4.551 | 4.04 |
| 03-31-2010 | 4.425 | 4.004 |
| 12-31-2009 | 4.842 | 3.861 |
| 09-30-2009 | 4.832 | 3.794 |
| 06-30-2009 | 5.115 | 3.736 |
| 03-31-2009 | 5.076 | 3.667 |
| 12-31-2008 | 5.371 | 4.048 |
| 09-30-2008 | 5.423 | 4.13 |
| 06-30-2008 | 5.456 | 4.191 |
| 03-31-2008 | 5.504 | 4.248 |
| 12-31-2007 | 4.708 | 4.737 |
| 09-30-2007 | 5.757 | 4.769 |
| 06-30-2007 | 5.797 | 4.788 |
| 03-31-2007 | 5.883 | 4.777 |
| 12-31-2006 | 6.193 | 5.042 |
| 09-30-2006 | 6.24 | 5.071 |
| 06-30-2006 | 6.209 | 5.04 |
| 03-31-2006 | 6.139 | 4.977 |
| 12-31-2005 | 5.995 | 4.944 |
| 09-30-2005 | 5.893 | 4.892 |
| 06-30-2005 | 5.828 | 4.815 |
| 03-31-2005 | 5.752 | 4.71 |
| 12-31-2004 | 5.223 | 4.519 |
| 09-30-2004 | 5.111 | 4.468 |
| 06-30-2004 | 4.98 | 4.455 |
| 03-31-2004 | 5.117 | 4.465 |
| 12-31-2003 | 5.101 | 4.433 |
| 09-30-2003 | 5.111 | 4.467 |
| 06-30-2003 | 5.148 | 4.53 |
| 03-31-2003 | 4.985 | 4.564 |
| 12-31-2002 | 5.224 | 4.72 |