The Citizens National Bank Of Hammond
Hammond, NY — National Bank
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Net Interest Margin Over Time
| Net Interest Margin | The Citizens National Bank Of Hammond | All Insured Commercial Banks in New York |
| 12-31-2016 | 3.72 | 3.19 |
| 09-30-2016 | 3.716 | 3.191 |
| 06-30-2016 | 3.743 | 3.187 |
| 03-31-2016 | 3.757 | 3.145 |
| 12-31-2015 | 3.952 | 3.147 |
| 09-30-2015 | 3.973 | 3.142 |
| 06-30-2015 | 3.98 | 3.142 |
| 03-31-2015 | 3.89 | 3.146 |
| 12-31-2014 | 3.846 | 3.226 |
| 09-30-2014 | 3.897 | 3.232 |
| 06-30-2014 | 3.838 | 3.199 |
| 03-31-2014 | 3.766 | 3.193 |
| 12-31-2013 | 3.985 | 3.203 |
| 09-30-2013 | 4.079 | 3.196 |
| 06-30-2013 | 4.095 | 3.196 |
| 03-31-2013 | 4.122 | 3.205 |
| 12-31-2012 | 4.17 | 3.354 |
| 09-30-2012 | 4.157 | 3.382 |
| 06-30-2012 | 4.1 | 3.388 |
| 03-31-2012 | 4.056 | 3.424 |
| 12-31-2011 | 4.041 | 3.492 |
| 09-30-2011 | 4.039 | 3.5 |
| 06-30-2011 | 3.954 | 3.484 |
| 03-31-2011 | 3.946 | 3.491 |
| 12-31-2010 | 4.094 | 3.486 |
| 09-30-2010 | 4.172 | 3.516 |
| 06-30-2010 | 4.192 | 3.497 |
| 03-31-2010 | 4.214 | 3.479 |
| 12-31-2009 | 4.215 | 3.401 |
| 09-30-2009 | 4.352 | 3.415 |
| 06-30-2009 | 4.327 | 3.352 |
| 03-31-2009 | 4.368 | 3.338 |
| 12-31-2008 | 4.322 | 3.461 |
| 09-30-2008 | 4.299 | 3.49 |
| 06-30-2008 | 4.214 | 3.471 |
| 03-31-2008 | 4.558 | 3.494 |
| 12-31-2007 | 4.606 | 3.639 |
| 09-30-2007 | 4.66 | 3.66 |
| 06-30-2007 | 4.773 | 3.643 |
| 03-31-2007 | 4.624 | 3.663 |
| 12-31-2006 | 5.48 | 3.733 |
| 09-30-2006 | 5.657 | 3.735 |
| 06-30-2006 | 5.45 | 3.771 |
| 03-31-2006 | 5.612 | 3.78 |
| 12-31-2005 | 5.226 | 3.805 |
| 09-30-2005 | 5.118 | 3.809 |
| 06-30-2005 | 5.094 | 3.795 |
| 03-31-2005 | 5.103 | 3.787 |
| 12-31-2004 | 4.958 | 3.715 |
| 09-30-2004 | 4.982 | 3.657 |
| 06-30-2004 | 4.968 | 3.678 |
| 03-31-2004 | 5.101 | 3.659 |
| 12-31-2003 | 5.38 | 3.735 |
| 09-30-2003 | 5.399 | 3.752 |
| 06-30-2003 | 5.381 | 3.811 |
| 03-31-2003 | 5.586 | 3.835 |
| 12-31-2002 | 5.54 | 4.072 |