Pioneer Savings Bank
Troy, NY — State Savings Bank
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Net Interest Margin Over Time
| Net Interest Margin | Pioneer Savings Bank | All Insured Savings Banks in New York |
| 12-31-2016 | 3.519 | 3.356 |
| 09-30-2016 | 3.521 | 3.346 |
| 06-30-2016 | 3.515 | 3.359 |
| 03-31-2016 | 3.508 | 3.364 |
| 12-31-2015 | 3.454 | 3.342 |
| 09-30-2015 | 3.438 | 3.342 |
| 06-30-2015 | 3.408 | 3.34 |
| 03-31-2015 | 3.427 | 3.359 |
| 12-31-2014 | 3.708 | 3.401 |
| 09-30-2014 | 3.725 | 3.407 |
| 06-30-2014 | 3.738 | 3.408 |
| 03-31-2014 | 3.812 | 3.418 |
| 12-31-2013 | 3.82 | 3.36 |
| 09-30-2013 | 3.806 | 3.431 |
| 06-30-2013 | 3.825 | 3.424 |
| 03-31-2013 | 3.843 | 3.409 |
| 12-31-2012 | 3.713 | 3.496 |
| 09-30-2012 | 3.696 | 3.358 |
| 06-30-2012 | 3.725 | 3.397 |
| 03-31-2012 | 3.752 | 3.422 |
| 12-31-2011 | 3.626 | 3.327 |
| 09-30-2011 | 3.595 | 3.235 |
| 06-30-2011 | 3.584 | 3.252 |
| 03-31-2011 | 3.603 | 3.279 |
| 12-31-2010 | 3.502 | 3.153 |
| 09-30-2010 | 3.5 | 3.136 |
| 06-30-2010 | 3.501 | 3.119 |
| 03-31-2010 | 3.503 | 3.098 |
| 12-31-2009 | 3.41 | 3.07 |
| 09-30-2009 | 3.417 | 3.053 |
| 06-30-2009 | 3.476 | 3.082 |
| 03-31-2009 | 3.547 | 3.049 |
| 12-31-2008 | 3.483 | 3.017 |
| 09-30-2008 | 3.463 | 2.953 |
| 06-30-2008 | 3.417 | 2.855 |
| 03-31-2008 | 3.429 | 2.828 |
| 12-31-2007 | 3.301 | 3.11 |
| 09-30-2007 | 3.314 | 3.065 |
| 06-30-2007 | 3.306 | 3.057 |
| 03-31-2007 | 3.36 | 3.065 |
| 12-31-2006 | 3.302 | 3.187 |
| 09-30-2006 | 3.258 | 3.223 |
| 06-30-2006 | 3.236 | 3.188 |
| 03-31-2006 | 3.242 | 3.178 |
| 12-31-2005 | 3.198 | 3.435 |
| 09-30-2005 | 3.203 | 3.977 |
| 06-30-2005 | 3.179 | 3.47 |
| 03-31-2005 | 3.154 | 3.482 |
| 12-31-2004 | 3.081 | 3.515 |
| 09-30-2004 | 3.052 | 3.448 |
| 06-30-2004 | 3.063 | 3.455 |
| 03-31-2004 | 3.136 | 3.574 |
| 12-31-2003 | 3.115 | 3.574 |
| 09-30-2003 | 3.11 | 3.605 |
| 06-30-2003 | 3.082 | 3.656 |
| 03-31-2003 | 3.051 | 3.717 |
| 12-31-2002 | 3.207 | 3.829 |