Spencer Savings Bank
Spencer, MA — State Savings Bank
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Net Interest Margin Over Time
| Net Interest Margin | Spencer Savings Bank | All Insured Savings Banks in Massachusetts |
| 12-31-2016 | 3.257 | 3.143 |
| 09-30-2016 | 3.25 | 3.146 |
| 06-30-2016 | 3.273 | 3.156 |
| 03-31-2016 | 3.283 | 3.161 |
| 12-31-2015 | 3.339 | 3.16 |
| 09-30-2015 | 3.349 | 3.162 |
| 06-30-2015 | 3.343 | 3.15 |
| 03-31-2015 | 3.294 | 3.156 |
| 12-31-2014 | 3.418 | 3.152 |
| 09-30-2014 | 3.411 | 3.14 |
| 06-30-2014 | 3.398 | 3.137 |
| 03-31-2014 | 3.377 | 3.146 |
| 12-31-2013 | 3.61 | 3.175 |
| 09-30-2013 | 3.645 | 3.169 |
| 06-30-2013 | 3.659 | 3.157 |
| 03-31-2013 | 3.636 | 3.15 |
| 12-31-2012 | 3.783 | 3.239 |
| 09-30-2012 | 3.803 | 3.259 |
| 06-30-2012 | 3.806 | 3.271 |
| 03-31-2012 | 3.727 | 3.276 |
| 12-31-2011 | 3.653 | 3.373 |
| 09-30-2011 | 3.615 | 3.369 |
| 06-30-2011 | 3.56 | 3.364 |
| 03-31-2011 | 3.533 | 3.376 |
| 12-31-2010 | 3.509 | 3.404 |
| 09-30-2010 | 3.569 | 3.406 |
| 06-30-2010 | 3.549 | 3.396 |
| 03-31-2010 | 3.608 | 3.363 |
| 12-31-2009 | 3.244 | 3.155 |
| 09-30-2009 | 3.259 | 3.118 |
| 06-30-2009 | 3.264 | 3.083 |
| 03-31-2009 | 3.241 | 3.097 |
| 12-31-2008 | 3.621 | 3.024 |
| 09-30-2008 | 3.608 | 2.981 |
| 06-30-2008 | 3.592 | 2.92 |
| 03-31-2008 | 3.719 | 2.876 |
| 12-31-2007 | 3.877 | 2.941 |
| 09-30-2007 | 3.872 | 2.954 |
| 06-30-2007 | 3.879 | 2.962 |
| 03-31-2007 | 3.865 | 2.956 |
| 12-31-2006 | 3.991 | 3.154 |
| 09-30-2006 | 4.052 | 3.204 |
| 06-30-2006 | 4.023 | 3.241 |
| 03-31-2006 | 4.016 | 3.288 |
| 12-31-2005 | 4.045 | 3.409 |
| 09-30-2005 | 4.02 | 3.434 |
| 06-30-2005 | 3.991 | 3.45 |
| 03-31-2005 | 3.96 | 3.451 |
| 12-31-2004 | 4.072 | 3.429 |
| 09-30-2004 | 4.042 | 3.416 |
| 06-30-2004 | 4.062 | 3.424 |
| 03-31-2004 | 4.051 | 3.462 |
| 12-31-2003 | 4.484 | 3.452 |
| 09-30-2003 | 4.628 | 3.467 |
| 06-30-2003 | 4.726 | 3.517 |
| 03-31-2003 | 4.754 | 3.56 |
| 12-31-2002 | 4.593 | 3.675 |