The North Country Savings Bank
Canton, NY — State Savings Bank
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Net Interest Margin Over Time
| Net Interest Margin | The North Country Savings Bank | All Insured Savings Banks in New York |
| 12-31-2016 | 3.71 | 3.356 |
| 09-30-2016 | 3.693 | 3.346 |
| 06-30-2016 | 3.688 | 3.359 |
| 03-31-2016 | 3.717 | 3.364 |
| 12-31-2015 | 3.894 | 3.342 |
| 09-30-2015 | 3.932 | 3.342 |
| 06-30-2015 | 3.985 | 3.34 |
| 03-31-2015 | 4.029 | 3.359 |
| 12-31-2014 | 3.907 | 3.401 |
| 09-30-2014 | 3.871 | 3.407 |
| 06-30-2014 | 3.853 | 3.408 |
| 03-31-2014 | 3.768 | 3.418 |
| 12-31-2013 | 3.712 | 3.36 |
| 09-30-2013 | 3.737 | 3.431 |
| 06-30-2013 | 3.772 | 3.424 |
| 03-31-2013 | 3.851 | 3.409 |
| 12-31-2012 | 4.013 | 3.496 |
| 09-30-2012 | 4.038 | 3.358 |
| 06-30-2012 | 4.06 | 3.397 |
| 03-31-2012 | 4.108 | 3.422 |
| 12-31-2011 | 4.091 | 3.327 |
| 09-30-2011 | 4.073 | 3.235 |
| 06-30-2011 | 4.096 | 3.252 |
| 03-31-2011 | 4.153 | 3.279 |
| 12-31-2010 | 4.043 | 3.153 |
| 09-30-2010 | 4.005 | 3.136 |
| 06-30-2010 | 3.971 | 3.119 |
| 03-31-2010 | 4.119 | 3.098 |
| 12-31-2009 | 3.881 | 3.07 |
| 09-30-2009 | 3.815 | 3.053 |
| 06-30-2009 | 3.764 | 3.082 |
| 03-31-2009 | 3.821 | 3.049 |
| 12-31-2008 | 3.758 | 3.017 |
| 09-30-2008 | 3.716 | 2.953 |
| 06-30-2008 | 3.651 | 2.855 |
| 03-31-2008 | 3.559 | 2.828 |
| 12-31-2007 | 3.268 | 3.11 |
| 09-30-2007 | 3.225 | 3.065 |
| 06-30-2007 | 3.204 | 3.057 |
| 03-31-2007 | 3.124 | 3.065 |
| 12-31-2006 | 3.329 | 3.187 |
| 09-30-2006 | 3.398 | 3.223 |
| 06-30-2006 | 3.488 | 3.188 |
| 03-31-2006 | 3.573 | 3.178 |
| 12-31-2005 | 3.782 | 3.435 |
| 09-30-2005 | 3.825 | 3.977 |
| 06-30-2005 | 3.853 | 3.47 |
| 03-31-2005 | 3.89 | 3.482 |
| 12-31-2004 | 3.937 | 3.515 |
| 09-30-2004 | 3.948 | 3.448 |
| 06-30-2004 | 3.987 | 3.455 |
| 03-31-2004 | 3.996 | 3.574 |
| 12-31-2003 | 3.916 | 3.574 |
| 09-30-2003 | 3.909 | 3.605 |
| 06-30-2003 | 3.87 | 3.656 |
| 03-31-2003 | 3.873 | 3.717 |
| 12-31-2002 | 3.669 | 3.829 |