The Oneida Savings Bank
Oneida, NY — Domestic Branch of a Domestic Bank
Acquired Dec 2015
Net Interest Margin Over Time
| Net Interest Margin | The Oneida Savings Bank | All Insured Savings Banks in New York |
| 09-30-2015 | 2.908 | 3.342 |
| 06-30-2015 | 2.88 | 3.34 |
| 03-31-2015 | 3.015 | 3.359 |
| 12-31-2014 | 3.093 | 3.401 |
| 09-30-2014 | 3.099 | 3.407 |
| 06-30-2014 | 3.072 | 3.408 |
| 03-31-2014 | 3.082 | 3.418 |
| 12-31-2013 | 3.357 | 3.36 |
| 09-30-2013 | 3.402 | 3.431 |
| 06-30-2013 | 3.388 | 3.424 |
| 03-31-2013 | 3.44 | 3.409 |
| 12-31-2012 | 3.489 | 3.496 |
| 09-30-2012 | 3.507 | 3.358 |
| 06-30-2012 | 3.495 | 3.397 |
| 03-31-2012 | 3.524 | 3.422 |
| 12-31-2011 | 3.567 | 3.327 |
| 09-30-2011 | 3.576 | 3.235 |
| 06-30-2011 | 3.522 | 3.252 |
| 03-31-2011 | 3.504 | 3.279 |
| 12-31-2010 | 3.497 | 3.153 |
| 09-30-2010 | 3.505 | 3.136 |
| 06-30-2010 | 3.499 | 3.119 |
| 03-31-2010 | 3.483 | 3.098 |
| 12-31-2009 | 3.794 | 3.07 |
| 09-30-2009 | 3.757 | 3.053 |
| 06-30-2009 | 3.706 | 3.082 |
| 03-31-2009 | 3.621 | 3.049 |
| 12-31-2008 | 3.393 | 3.017 |
| 09-30-2008 | 3.323 | 2.953 |
| 06-30-2008 | 3.427 | 2.855 |
| 03-31-2008 | 3.451 | 2.828 |
| 12-31-2007 | 3.581 | 3.11 |
| 09-30-2007 | 3.587 | 3.065 |
| 06-30-2007 | 3.587 | 3.057 |
| 03-31-2007 | 3.558 | 3.065 |
| 12-31-2006 | 3.765 | 3.187 |
| 09-30-2006 | 3.771 | 3.223 |
| 06-30-2006 | 3.779 | 3.188 |
| 03-31-2006 | 3.706 | 3.178 |
| 12-31-2005 | 3.813 | 3.435 |
| 09-30-2005 | 3.836 | 3.977 |
| 06-30-2005 | 3.824 | 3.47 |
| 03-31-2005 | 3.827 | 3.482 |
| 12-31-2004 | 3.71 | 3.515 |
| 09-30-2004 | 3.687 | 3.448 |
| 06-30-2004 | 3.685 | 3.455 |
| 03-31-2004 | 3.646 | 3.574 |
| 12-31-2003 | 3.635 | 3.574 |
| 09-30-2003 | 3.697 | 3.605 |
| 06-30-2003 | 3.688 | 3.656 |
| 03-31-2003 | 3.627 | 3.717 |
| 12-31-2002 | 3.472 | 3.829 |