The Heritage Bank
Hinesville, GA — Non-member Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | The Heritage Bank | All Insured Commercial Banks in Georgia |
| 09-30-2016 | 3.036 | 4.028 |
| 06-30-2016 | 3.069 | 4.008 |
| 03-31-2016 | 3.191 | 4.018 |
| 12-31-2015 | 3.082 | 4.023 |
| 09-30-2015 | 3.076 | 3.993 |
| 06-30-2015 | 3.034 | 3.947 |
| 03-31-2015 | 3.036 | 3.907 |
| 12-31-2014 | 3.263 | 3.965 |
| 09-30-2014 | 3.245 | 3.953 |
| 06-30-2014 | 3.151 | 3.912 |
| 03-31-2014 | 3.117 | 3.851 |
| 12-31-2013 | 3.092 | 3.871 |
| 09-30-2013 | 3.007 | 3.845 |
| 06-30-2013 | 2.936 | 3.809 |
| 03-31-2013 | 2.873 | 3.753 |
| 12-31-2012 | 2.78 | 3.876 |
| 09-30-2012 | 2.707 | 3.863 |
| 06-30-2012 | 2.764 | 3.832 |
| 03-31-2012 | 2.587 | 3.802 |
| 12-31-2011 | 2.815 | 3.778 |
| 09-30-2011 | 2.848 | 3.736 |
| 06-30-2011 | 3.044 | 3.654 |
| 03-31-2011 | 3.07 | 3.548 |
| 12-31-2010 | 3.441 | 3.49 |
| 09-30-2010 | 3.452 | 3.452 |
| 06-30-2010 | 3.773 | 3.398 |
| 03-31-2010 | 3.643 | 3.366 |
| 12-31-2009 | 3.809 | 3.225 |
| 09-30-2009 | 3.81 | 3.188 |
| 06-30-2009 | 3.843 | 3.141 |
| 03-31-2009 | 3.696 | 3.091 |
| 12-31-2008 | 4.638 | 3.451 |
| 09-30-2008 | 4.889 | 3.539 |
| 06-30-2008 | 5 | 3.593 |
| 03-31-2008 | 5.021 | 3.695 |
| 12-31-2007 | 5.125 | 4.299 |
| 09-30-2007 | 4.864 | 4.362 |
| 06-30-2007 | 5.617 | 4.402 |
| 03-31-2007 | 5.817 | 4.392 |
| 12-31-2006 | 5.897 | 4.682 |
| 09-30-2006 | 5.901 | 4.707 |
| 06-30-2006 | 5.996 | 4.695 |
| 03-31-2006 | 5.975 | 4.589 |
| 12-31-2005 | 5.547 | 4.561 |
| 09-30-2005 | 5.409 | 4.517 |
| 06-30-2005 | 5.219 | 4.464 |
| 03-31-2005 | 5.152 | 4.388 |
| 12-31-2004 | 5.692 | 4.386 |
| 09-30-2004 | 5.041 | 4.37 |
| 06-30-2004 | 4.984 | 4.329 |
| 03-31-2004 | 5.029 | 4.334 |
| 12-31-2003 | 4.752 | 4.329 |
| 09-30-2003 | 4.746 | 4.316 |
| 06-30-2003 | 4.781 | 4.278 |
| 03-31-2003 | 4.785 | 4.252 |
| 12-31-2002 | 5.486 | 4.478 |