North Georgia National Bank
Calhoun, GA — National Bank
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Net Interest Margin Over Time
| Net Interest Margin | North Georgia National Bank | All Insured Commercial Banks in Georgia |
| 12-31-2016 | 3.609 | 4.031 |
| 09-30-2016 | 3.52 | 4.028 |
| 06-30-2016 | 3.366 | 4.008 |
| 03-31-2016 | 3.363 | 4.018 |
| 12-31-2015 | 3.425 | 4.023 |
| 09-30-2015 | 3.366 | 3.993 |
| 06-30-2015 | 3.3 | 3.947 |
| 03-31-2015 | 3.295 | 3.907 |
| 12-31-2014 | 3.258 | 3.965 |
| 09-30-2014 | 3.21 | 3.953 |
| 06-30-2014 | 3.25 | 3.912 |
| 03-31-2014 | 3.318 | 3.851 |
| 12-31-2013 | 3.418 | 3.871 |
| 09-30-2013 | 3.424 | 3.845 |
| 06-30-2013 | 3.421 | 3.809 |
| 03-31-2013 | 3.509 | 3.753 |
| 12-31-2012 | 3.372 | 3.876 |
| 09-30-2012 | 3.214 | 3.863 |
| 06-30-2012 | 3.096 | 3.832 |
| 03-31-2012 | 2.978 | 3.802 |
| 12-31-2011 | 3.542 | 3.778 |
| 09-30-2011 | 3.597 | 3.736 |
| 06-30-2011 | 3.632 | 3.654 |
| 03-31-2011 | 3.789 | 3.548 |
| 12-31-2010 | 3.179 | 3.49 |
| 09-30-2010 | 3.11 | 3.452 |
| 06-30-2010 | 3.02 | 3.398 |
| 03-31-2010 | 2.968 | 3.366 |
| 12-31-2009 | 3.457 | 3.225 |
| 09-30-2009 | 3.395 | 3.188 |
| 06-30-2009 | 3.365 | 3.141 |
| 03-31-2009 | 3.212 | 3.091 |
| 12-31-2008 | 3.542 | 3.451 |
| 09-30-2008 | 3.587 | 3.539 |
| 06-30-2008 | 3.492 | 3.593 |
| 03-31-2008 | 3.531 | 3.695 |
| 12-31-2007 | 3.436 | 4.299 |
| 09-30-2007 | 3.382 | 4.362 |
| 06-30-2007 | 3.394 | 4.402 |
| 03-31-2007 | 3.415 | 4.392 |
| 12-31-2006 | 4.262 | 4.682 |
| 09-30-2006 | 4.311 | 4.707 |
| 06-30-2006 | 4.334 | 4.695 |
| 03-31-2006 | 4.204 | 4.589 |
| 12-31-2005 | 4.059 | 4.561 |
| 09-30-2005 | 4.021 | 4.517 |
| 06-30-2005 | 4.032 | 4.464 |
| 03-31-2005 | 4.097 | 4.388 |
| 12-31-2004 | 3.97 | 4.386 |
| 09-30-2004 | 3.91 | 4.37 |
| 06-30-2004 | 3.843 | 4.329 |
| 03-31-2004 | 3.762 | 4.334 |
| 12-31-2003 | 3.686 | 4.329 |
| 09-30-2003 | 3.704 | 4.316 |
| 06-30-2003 | 3.846 | 4.278 |
| 03-31-2003 | 3.978 | 4.252 |
| 12-31-2002 | 3.927 | 4.478 |