The Old Point National Bank Of Phoebus
Hampton, VA — National Bank
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Net Interest Margin Over Time
| Net Interest Margin | The Old Point National Bank Of Phoebus | All Insured Commercial Banks in Virginia |
| 12-31-2016 | 3.677 | 3.805 |
| 09-30-2016 | 3.683 | 3.807 |
| 06-30-2016 | 3.682 | 3.813 |
| 03-31-2016 | 3.633 | 3.835 |
| 12-31-2015 | 3.566 | 3.821 |
| 09-30-2015 | 3.556 | 3.807 |
| 06-30-2015 | 3.544 | 3.793 |
| 03-31-2015 | 3.568 | 3.782 |
| 12-31-2014 | 3.563 | 3.878 |
| 09-30-2014 | 3.515 | 3.875 |
| 06-30-2014 | 3.49 | 3.87 |
| 03-31-2014 | 3.441 | 3.85 |
| 12-31-2013 | 3.227 | 3.9 |
| 09-30-2013 | 3.194 | 3.885 |
| 06-30-2013 | 3.203 | 3.881 |
| 03-31-2013 | 3.198 | 3.869 |
| 12-31-2012 | 3.421 | 3.953 |
| 09-30-2012 | 3.477 | 3.978 |
| 06-30-2012 | 3.545 | 3.988 |
| 03-31-2012 | 3.601 | 3.987 |
| 12-31-2011 | 3.822 | 4 |
| 09-30-2011 | 3.844 | 3.995 |
| 06-30-2011 | 3.825 | 3.968 |
| 03-31-2011 | 3.77 | 3.961 |
| 12-31-2010 | 3.646 | 3.902 |
| 09-30-2010 | 3.578 | 3.891 |
| 06-30-2010 | 3.455 | 3.859 |
| 03-31-2010 | 3.484 | 3.836 |
| 12-31-2009 | 3.441 | 3.675 |
| 09-30-2009 | 3.433 | 3.647 |
| 06-30-2009 | 3.308 | 3.627 |
| 03-31-2009 | 3.344 | 3.573 |
| 12-31-2008 | 3.614 | 3.77 |
| 09-30-2008 | 3.6 | 3.826 |
| 06-30-2008 | 3.509 | 3.782 |
| 03-31-2008 | 3.462 | 3.783 |
| 12-31-2007 | 3.41 | 4.078 |
| 09-30-2007 | 3.4 | 4.086 |
| 06-30-2007 | 3.353 | 4.088 |
| 03-31-2007 | 3.257 | 4.095 |
| 12-31-2006 | 3.394 | 4.291 |
| 09-30-2006 | 3.426 | 4.223 |
| 06-30-2006 | 3.459 | 4.235 |
| 03-31-2006 | 3.474 | 4.196 |
| 12-31-2005 | 3.795 | 4.292 |
| 09-30-2005 | 3.839 | 4.244 |
| 06-30-2005 | 3.887 | 4.224 |
| 03-31-2005 | 3.907 | 4.182 |
| 12-31-2004 | 4.072 | 4.104 |
| 09-30-2004 | 4.097 | 4.071 |
| 06-30-2004 | 4.113 | 4.05 |
| 03-31-2004 | 4.199 | 4.07 |
| 12-31-2003 | 4.403 | 4.084 |
| 09-30-2003 | 4.445 | 4.087 |
| 06-30-2003 | 4.473 | 4.142 |
| 03-31-2003 | 4.453 | 4.196 |
| 12-31-2002 | 4.587 | 4.307 |