Hudson River Bank & Trust Company
Hudson, NY — Domestic Branch of a Domestic Bank
Acquired Jan 2005
Net Interest Margin Over Time
| Net Interest Margin | Hudson River Bank & Trust Company | All Insured Savings Banks in New York |
| 12-31-2004 | 3.921 | 3.515 |
| 09-30-2004 | 3.85 | 3.448 |
| 06-30-2004 | 3.746 | 3.455 |
| 03-31-2004 | 3.793 | 3.574 |
| 12-31-2003 | 3.734 | 3.574 |
| 09-30-2003 | 3.737 | 3.605 |
| 06-30-2003 | 3.829 | 3.656 |
| 03-31-2003 | 3.962 | 3.717 |
| 12-31-2002 | 4.105 | 3.829 |