The Gratz Bank
Gratz, PA — Non-member Bank
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Net Interest Margin Over Time
| Net Interest Margin | The Gratz Bank | All Insured Commercial Banks in Pennsylvania |
| 12-31-2016 | 3.281 | 3.473 |
| 09-30-2016 | 3.265 | 3.479 |
| 06-30-2016 | 3.29 | 3.497 |
| 03-31-2016 | 3.342 | 3.502 |
| 12-31-2015 | 3.18 | 3.514 |
| 09-30-2015 | 3.111 | 3.523 |
| 06-30-2015 | 3.059 | 3.523 |
| 03-31-2015 | 2.619 | 3.525 |
| 12-31-2014 | 3.756 | 3.569 |
| 09-30-2014 | 3.776 | 3.578 |
| 06-30-2014 | 3.722 | 3.578 |
| 03-31-2014 | 3.525 | 3.551 |
| 12-31-2013 | 3.789 | 3.561 |
| 09-30-2013 | 3.807 | 3.588 |
| 06-30-2013 | 3.824 | 3.584 |
| 03-31-2013 | 3.846 | 3.582 |
| 12-31-2012 | 3.999 | 3.689 |
| 09-30-2012 | 4.015 | 3.714 |
| 06-30-2012 | 4.046 | 3.711 |
| 03-31-2012 | 4.07 | 3.73 |
| 12-31-2011 | 4.12 | 3.775 |
| 09-30-2011 | 4.11 | 3.782 |
| 06-30-2011 | 4.058 | 3.768 |
| 03-31-2011 | 4.137 | 3.773 |
| 12-31-2010 | 4.189 | 3.708 |
| 09-30-2010 | 4.165 | 3.68 |
| 06-30-2010 | 4.269 | 3.665 |
| 03-31-2010 | 4.28 | 3.624 |
| 12-31-2009 | 3.851 | 3.489 |
| 09-30-2009 | 3.756 | 3.457 |
| 06-30-2009 | 3.592 | 3.43 |
| 03-31-2009 | 3.643 | 3.437 |
| 12-31-2008 | 3.696 | 3.569 |
| 09-30-2008 | 3.66 | 3.566 |
| 06-30-2008 | 3.576 | 3.546 |
| 03-31-2008 | 3.583 | 3.52 |
| 12-31-2007 | 3.533 | 3.545 |
| 09-30-2007 | 3.51 | 3.53 |
| 06-30-2007 | 3.458 | 3.517 |
| 03-31-2007 | 3.413 | 3.49 |
| 12-31-2006 | 3.413 | 3.61 |
| 09-30-2006 | 3.476 | 3.639 |
| 06-30-2006 | 3.511 | 3.634 |
| 03-31-2006 | 3.52 | 3.634 |
| 12-31-2005 | 3.796 | 3.707 |
| 09-30-2005 | 3.803 | 3.706 |
| 06-30-2005 | 3.858 | 3.702 |
| 03-31-2005 | 3.816 | 3.7 |
| 12-31-2004 | 4.174 | 3.678 |
| 09-30-2004 | 4.244 | 3.669 |
| 06-30-2004 | 4.247 | 3.695 |
| 03-31-2004 | 4.258 | 3.726 |
| 12-31-2003 | 4.375 | 3.764 |
| 09-30-2003 | 4.429 | 3.773 |
| 06-30-2003 | 4.651 | 3.824 |
| 03-31-2003 | 4.612 | 3.846 |
| 12-31-2002 | 4.282 | 3.993 |