The Ephrata National Bank
Ephrata, PA — National Bank
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Net Interest Margin Over Time
| Net Interest Margin | The Ephrata National Bank | All Insured Commercial Banks in Pennsylvania |
| 12-31-2016 | 3.126 | 3.473 |
| 09-30-2016 | 3.05 | 3.479 |
| 06-30-2016 | 2.955 | 3.497 |
| 03-31-2016 | 3.095 | 3.502 |
| 12-31-2015 | 3.077 | 3.514 |
| 09-30-2015 | 3.11 | 3.523 |
| 06-30-2015 | 3.115 | 3.523 |
| 03-31-2015 | 3.14 | 3.525 |
| 12-31-2014 | 3.105 | 3.569 |
| 09-30-2014 | 3.124 | 3.578 |
| 06-30-2014 | 3.172 | 3.578 |
| 03-31-2014 | 3.237 | 3.551 |
| 12-31-2013 | 3.185 | 3.561 |
| 09-30-2013 | 3.168 | 3.588 |
| 06-30-2013 | 3.157 | 3.584 |
| 03-31-2013 | 3.176 | 3.582 |
| 12-31-2012 | 3.364 | 3.689 |
| 09-30-2012 | 3.404 | 3.714 |
| 06-30-2012 | 3.458 | 3.711 |
| 03-31-2012 | 3.488 | 3.73 |
| 12-31-2011 | 3.579 | 3.775 |
| 09-30-2011 | 3.605 | 3.782 |
| 06-30-2011 | 3.608 | 3.768 |
| 03-31-2011 | 3.582 | 3.773 |
| 12-31-2010 | 3.552 | 3.708 |
| 09-30-2010 | 3.549 | 3.68 |
| 06-30-2010 | 3.509 | 3.665 |
| 03-31-2010 | 3.431 | 3.624 |
| 12-31-2009 | 3.486 | 3.489 |
| 09-30-2009 | 3.448 | 3.457 |
| 06-30-2009 | 3.457 | 3.43 |
| 03-31-2009 | 3.645 | 3.437 |
| 12-31-2008 | 3.688 | 3.569 |
| 09-30-2008 | 3.709 | 3.566 |
| 06-30-2008 | 3.688 | 3.546 |
| 03-31-2008 | 3.676 | 3.52 |
| 12-31-2007 | 3.681 | 3.545 |
| 09-30-2007 | 3.66 | 3.53 |
| 06-30-2007 | 3.635 | 3.517 |
| 03-31-2007 | 3.595 | 3.49 |
| 12-31-2006 | 3.697 | 3.61 |
| 09-30-2006 | 3.713 | 3.639 |
| 06-30-2006 | 3.728 | 3.634 |
| 03-31-2006 | 3.762 | 3.634 |
| 12-31-2005 | 3.93 | 3.707 |
| 09-30-2005 | 3.949 | 3.706 |
| 06-30-2005 | 3.955 | 3.702 |
| 03-31-2005 | 4.01 | 3.7 |
| 12-31-2004 | 4 | 3.678 |
| 09-30-2004 | 3.986 | 3.669 |
| 06-30-2004 | 4.002 | 3.695 |
| 03-31-2004 | 4.063 | 3.726 |
| 12-31-2003 | 4.122 | 3.764 |
| 09-30-2003 | 4.165 | 3.773 |
| 06-30-2003 | 4.247 | 3.824 |
| 03-31-2003 | 4.308 | 3.846 |
| 12-31-2002 | 4.329 | 3.993 |