The Gifford State Bank
Gifford, IL — Non-member Bank
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Net Interest Margin Over Time
| Net Interest Margin | The Gifford State Bank | All Insured Commercial Banks in Illinois |
| 12-31-2016 | 4.397 | 3.499 |
| 09-30-2016 | 4.467 | 3.502 |
| 06-30-2016 | 4.418 | 3.495 |
| 03-31-2016 | 4.343 | 3.487 |
| 12-31-2015 | 4.307 | 3.487 |
| 09-30-2015 | 4.249 | 3.478 |
| 06-30-2015 | 4.17 | 3.453 |
| 03-31-2015 | 4.051 | 3.418 |
| 12-31-2014 | 3.783 | 3.485 |
| 09-30-2014 | 3.569 | 3.46 |
| 06-30-2014 | 3.421 | 3.443 |
| 03-31-2014 | 3.369 | 3.416 |
| 12-31-2013 | 3.591 | 3.428 |
| 09-30-2013 | 3.487 | 3.4 |
| 06-30-2013 | 3.324 | 3.374 |
| 03-31-2013 | 3.212 | 3.361 |
| 12-31-2012 | 3.696 | 3.573 |
| 09-30-2012 | 3.626 | 3.585 |
| 06-30-2012 | 3.501 | 3.59 |
| 03-31-2012 | 3.45 | 3.604 |
| 12-31-2011 | 3.593 | 3.692 |
| 09-30-2011 | 3.46 | 3.686 |
| 06-30-2011 | 3.379 | 3.652 |
| 03-31-2011 | 3.156 | 3.614 |
| 12-31-2010 | 3.813 | 3.707 |
| 09-30-2010 | 3.896 | 3.712 |
| 06-30-2010 | 3.941 | 3.694 |
| 03-31-2010 | 4.072 | 3.664 |
| 12-31-2009 | 3.963 | 3.579 |
| 09-30-2009 | 3.864 | 3.56 |
| 06-30-2009 | 3.787 | 3.538 |
| 03-31-2009 | 3.866 | 3.54 |
| 12-31-2008 | 3.756 | 3.56 |
| 09-30-2008 | 3.713 | 3.558 |
| 06-30-2008 | 3.629 | 3.533 |
| 03-31-2008 | 3.686 | 3.519 |
| 12-31-2007 | 4.228 | 3.667 |
| 09-30-2007 | 4.227 | 3.677 |
| 06-30-2007 | 4.288 | 3.662 |
| 03-31-2007 | 4.28 | 3.626 |
| 12-31-2006 | 4.209 | 3.765 |
| 09-30-2006 | 4.201 | 3.793 |
| 06-30-2006 | 4.227 | 3.805 |
| 03-31-2006 | 4.24 | 3.781 |
| 12-31-2005 | 4.15 | 3.876 |
| 09-30-2005 | 4.118 | 3.884 |
| 06-30-2005 | 4.04 | 3.873 |
| 03-31-2005 | 3.889 | 3.831 |
| 12-31-2004 | 3.769 | 3.852 |
| 09-30-2004 | 3.718 | 3.831 |
| 06-30-2004 | 3.647 | 3.815 |
| 03-31-2004 | 3.575 | 3.814 |
| 12-31-2003 | 3.493 | 3.819 |
| 09-30-2003 | 3.404 | 3.828 |
| 06-30-2003 | 3.443 | 3.842 |
| 03-31-2003 | 3.425 | 3.863 |
| 12-31-2002 | 3.713 | 3.995 |