Southern Heritage Bank
Flowery Branch, GA — Domestic Branch of a Domestic Bank
Acquired Aug 2004
Net Interest Margin Over Time
| Net Interest Margin | Southern Heritage Bank | All Insured Commercial Banks in Georgia |
| 06-30-2004 | 4.274 | 4.329 |
| 03-31-2004 | 4.459 | 4.334 |
| 12-31-2003 | 4.036 | 4.329 |
| 09-30-2003 | 3.953 | 4.316 |
| 06-30-2003 | 3.914 | 4.278 |
| 03-31-2003 | 4.003 | 4.252 |
| 12-31-2002 | 4.621 | 4.478 |