Sawyer Savings Bank
Saugerties, NY — State Savings Bank
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Net Interest Margin Over Time
| Net Interest Margin | Sawyer Savings Bank | All Insured Savings Banks in New York |
| 12-31-2016 | 3.081 | 3.356 |
| 09-30-2016 | 3.06 | 3.346 |
| 06-30-2016 | 3.106 | 3.359 |
| 03-31-2016 | 3.235 | 3.364 |
| 12-31-2015 | 3.389 | 3.342 |
| 09-30-2015 | 3.386 | 3.342 |
| 06-30-2015 | 3.388 | 3.34 |
| 03-31-2015 | 3.433 | 3.359 |
| 12-31-2014 | 3.746 | 3.401 |
| 09-30-2014 | 3.829 | 3.407 |
| 06-30-2014 | 3.864 | 3.408 |
| 03-31-2014 | 3.865 | 3.418 |
| 12-31-2013 | 3.64 | 3.36 |
| 09-30-2013 | 3.594 | 3.431 |
| 06-30-2013 | 3.581 | 3.424 |
| 03-31-2013 | 3.588 | 3.409 |
| 12-31-2012 | 3.745 | 3.496 |
| 09-30-2012 | 3.68 | 3.358 |
| 06-30-2012 | 3.735 | 3.397 |
| 03-31-2012 | 3.664 | 3.422 |
| 12-31-2011 | 3.719 | 3.327 |
| 09-30-2011 | 3.759 | 3.235 |
| 06-30-2011 | 3.727 | 3.252 |
| 03-31-2011 | 3.698 | 3.279 |
| 12-31-2010 | 3.486 | 3.153 |
| 09-30-2010 | 3.435 | 3.136 |
| 06-30-2010 | 3.44 | 3.119 |
| 03-31-2010 | 3.443 | 3.098 |
| 12-31-2009 | 3.618 | 3.07 |
| 09-30-2009 | 3.557 | 3.053 |
| 06-30-2009 | 3.592 | 3.082 |
| 03-31-2009 | 3.463 | 3.049 |
| 12-31-2008 | 3.418 | 3.017 |
| 09-30-2008 | 3.399 | 2.953 |
| 06-30-2008 | 3.4 | 2.855 |
| 03-31-2008 | 3.291 | 2.828 |
| 12-31-2007 | 3.172 | 3.11 |
| 09-30-2007 | 3.219 | 3.065 |
| 06-30-2007 | 3.184 | 3.057 |
| 03-31-2007 | 3.064 | 3.065 |
| 12-31-2006 | 3.374 | 3.187 |
| 09-30-2006 | 3.226 | 3.223 |
| 06-30-2006 | 3.234 | 3.188 |
| 03-31-2006 | 3.203 | 3.178 |
| 12-31-2005 | 3.26 | 3.435 |
| 09-30-2005 | 3.279 | 3.977 |
| 06-30-2005 | 3.273 | 3.47 |
| 03-31-2005 | 3.304 | 3.482 |
| 12-31-2004 | 3.445 | 3.515 |
| 09-30-2004 | 3.454 | 3.448 |
| 06-30-2004 | 3.467 | 3.455 |
| 03-31-2004 | 3.452 | 3.574 |
| 12-31-2003 | 3.011 | 3.574 |
| 09-30-2003 | 3.16 | 3.605 |
| 06-30-2003 | 3.195 | 3.656 |
| 03-31-2003 | 3.313 | 3.717 |
| 12-31-2002 | 3.258 | 3.829 |