The Farmers & Merchants Bank
Waterloo, AL — Non-member Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | The Farmers & Merchants Bank | All Insured Commercial Banks in Alabama |
| 12-31-2016 | 3.315 | 3.872 |
| 09-30-2016 | 3.595 | 3.875 |
| 06-30-2016 | 3.537 | 3.868 |
| 03-31-2016 | 3.663 | 3.852 |
| 12-31-2015 | 3.527 | 3.863 |
| 09-30-2015 | 3.762 | 3.873 |
| 06-30-2015 | 3.693 | 3.848 |
| 03-31-2015 | 3.745 | 3.817 |
| 12-31-2014 | 3.663 | 3.919 |
| 09-30-2014 | 3.724 | 3.912 |
| 06-30-2014 | 3.745 | 3.91 |
| 03-31-2014 | 3.724 | 3.883 |
| 12-31-2013 | 3.734 | 3.919 |
| 09-30-2013 | 3.83 | 3.906 |
| 06-30-2013 | 3.798 | 3.873 |
| 03-31-2013 | 2.939 | 3.843 |
| 12-31-2012 | 3.869 | 3.995 |
| 09-30-2012 | 3.961 | 3.988 |
| 06-30-2012 | 3.651 | 3.984 |
| 03-31-2012 | 3.983 | 3.98 |
| 12-31-2011 | 3.932 | 4.034 |
| 09-30-2011 | 3.977 | 4.025 |
| 06-30-2011 | 3.949 | 3.999 |
| 03-31-2011 | 3.993 | 3.922 |
| 12-31-2010 | 3.346 | 3.908 |
| 09-30-2010 | 3.388 | 3.9 |
| 06-30-2010 | 4.338 | 3.897 |
| 03-31-2010 | 4.34 | 3.858 |
| 12-31-2009 | 4.33 | 3.722 |
| 09-30-2009 | 4.323 | 3.689 |
| 06-30-2009 | 4.297 | 3.628 |
| 03-31-2009 | 4.387 | 3.61 |
| 12-31-2008 | 4.422 | 3.764 |
| 09-30-2008 | 4.44 | 3.833 |
| 06-30-2008 | 4.362 | 3.838 |
| 03-31-2008 | 4.329 | 3.87 |
| 12-31-2007 | 4.414 | 4.13 |
| 09-30-2007 | 4.42 | 4.16 |
| 06-30-2007 | 4.396 | 4.121 |
| 03-31-2007 | 4.386 | 4.121 |
| 12-31-2006 | 4.505 | 4.334 |
| 09-30-2006 | 4.547 | 4.341 |
| 06-30-2006 | 4.576 | 4.342 |
| 03-31-2006 | 4.516 | 4.304 |
| 12-31-2005 | 4.835 | 4.306 |
| 09-30-2005 | 4.868 | 4.266 |
| 06-30-2005 | 4.849 | 4.24 |
| 03-31-2005 | 4.775 | 4.181 |
| 12-31-2004 | 5.532 | 4.241 |
| 09-30-2004 | 5.711 | 4.245 |
| 06-30-2004 | 5.872 | 4.218 |
| 03-31-2004 | 5.268 | 4.232 |
| 12-31-2003 | 5.203 | 4.195 |
| 09-30-2003 | 5.214 | 4.196 |
| 06-30-2003 | 5.125 | 4.18 |
| 03-31-2003 | 5.266 | 4.185 |
| 12-31-2002 | 5.291 | 4.381 |