The Upstate National Bank
Ogdensburg, NY — National Bank
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Net Interest Margin Over Time
| Net Interest Margin | The Upstate National Bank | All Insured Commercial Banks in New York |
| 12-31-2016 | 3.587 | 3.19 |
| 09-30-2016 | 3.458 | 3.191 |
| 06-30-2016 | 3.393 | 3.187 |
| 03-31-2016 | 3.399 | 3.145 |
| 12-31-2015 | 3.326 | 3.147 |
| 09-30-2015 | 3.33 | 3.142 |
| 06-30-2015 | 3.344 | 3.142 |
| 03-31-2015 | 3.222 | 3.146 |
| 12-31-2014 | 3.353 | 3.226 |
| 09-30-2014 | 3.379 | 3.232 |
| 06-30-2014 | 3.205 | 3.199 |
| 03-31-2014 | 3.239 | 3.193 |
| 12-31-2013 | 3.354 | 3.203 |
| 09-30-2013 | 3.401 | 3.196 |
| 06-30-2013 | 3.48 | 3.196 |
| 03-31-2013 | 3.165 | 3.205 |
| 12-31-2012 | 3.812 | 3.354 |
| 09-30-2012 | 3.895 | 3.382 |
| 06-30-2012 | 4.119 | 3.388 |
| 03-31-2012 | 4.74 | 3.424 |
| 12-31-2011 | 3.679 | 3.492 |
| 09-30-2011 | 3.658 | 3.5 |
| 06-30-2011 | 3.508 | 3.484 |
| 03-31-2011 | 3.662 | 3.491 |
| 12-31-2010 | 3.695 | 3.486 |
| 09-30-2010 | 3.641 | 3.516 |
| 06-30-2010 | 3.586 | 3.497 |
| 03-31-2010 | 3.507 | 3.479 |
| 12-31-2009 | 3.539 | 3.401 |
| 09-30-2009 | 3.498 | 3.415 |
| 06-30-2009 | 3.425 | 3.352 |
| 03-31-2009 | 3.491 | 3.338 |
| 12-31-2008 | 3.34 | 3.461 |
| 09-30-2008 | 3.366 | 3.49 |
| 06-30-2008 | 3.225 | 3.471 |
| 03-31-2008 | 3.238 | 3.494 |
| 12-31-2007 | 3.429 | 3.639 |
| 09-30-2007 | 3.433 | 3.66 |
| 06-30-2007 | 3.414 | 3.643 |
| 03-31-2007 | 3.394 | 3.663 |
| 12-31-2006 | 3.629 | 3.733 |
| 09-30-2006 | 3.668 | 3.735 |
| 06-30-2006 | 3.715 | 3.771 |
| 03-31-2006 | 3.685 | 3.78 |
| 12-31-2005 | 3.975 | 3.805 |
| 09-30-2005 | 3.948 | 3.809 |
| 06-30-2005 | 3.967 | 3.795 |
| 03-31-2005 | 3.952 | 3.787 |
| 12-31-2004 | 3.95 | 3.715 |
| 09-30-2004 | 3.838 | 3.657 |
| 06-30-2004 | 3.702 | 3.678 |
| 03-31-2004 | 3.746 | 3.659 |
| 12-31-2003 | 2.329 | 3.735 |
| 09-30-2003 | 2.086 | 3.752 |
| 06-30-2003 | 1.926 | 3.811 |
| 03-31-2003 | 1.642 | 3.835 |
| 12-31-2002 | 2.407 | 4.072 |