The Waterford Commercial And Savings Bank
Waterford, OH — Non-member Bank
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Net Interest Margin Over Time
| Net Interest Margin | The Waterford Commercial And Savings Bank | All Insured Commercial Banks in Ohio |
| 12-31-2016 | 4.006 | 3.69 |
| 09-30-2016 | 4.032 | 3.675 |
| 06-30-2016 | 3.945 | 3.672 |
| 03-31-2016 | 4.015 | 3.663 |
| 12-31-2015 | 3.902 | 3.679 |
| 09-30-2015 | 3.91 | 3.656 |
| 06-30-2015 | 3.908 | 3.633 |
| 03-31-2015 | 3.862 | 3.611 |
| 12-31-2014 | 3.745 | 3.704 |
| 09-30-2014 | 3.701 | 3.686 |
| 06-30-2014 | 3.652 | 3.65 |
| 03-31-2014 | 3.63 | 3.631 |
| 12-31-2013 | 3.463 | 3.683 |
| 09-30-2013 | 3.387 | 3.681 |
| 06-30-2013 | 3.295 | 3.671 |
| 03-31-2013 | 3.208 | 3.66 |
| 12-31-2012 | 3.635 | 3.819 |
| 09-30-2012 | 3.644 | 3.823 |
| 06-30-2012 | 3.628 | 3.82 |
| 03-31-2012 | 3.623 | 3.843 |
| 12-31-2011 | 3.696 | 3.948 |
| 09-30-2011 | 3.695 | 3.954 |
| 06-30-2011 | 3.693 | 3.945 |
| 03-31-2011 | 3.742 | 3.931 |
| 12-31-2010 | 3.965 | 3.954 |
| 09-30-2010 | 4.089 | 3.96 |
| 06-30-2010 | 4.173 | 3.938 |
| 03-31-2010 | 4.222 | 3.934 |
| 12-31-2009 | 4.717 | 3.862 |
| 09-30-2009 | 4.942 | 3.825 |
| 06-30-2009 | 5.022 | 3.788 |
| 03-31-2009 | 5.225 | 3.791 |
| 12-31-2008 | 5.238 | 3.834 |
| 09-30-2008 | 5.217 | 3.817 |
| 06-30-2008 | 5.172 | 3.78 |
| 03-31-2008 | 5.217 | 3.785 |
| 12-31-2007 | 5.226 | 3.882 |
| 09-30-2007 | 5.242 | 3.9 |
| 06-30-2007 | 5.221 | 3.89 |
| 03-31-2007 | 5.119 | 3.867 |
| 12-31-2006 | 5.638 | 4.031 |
| 09-30-2006 | 5.56 | 4.042 |
| 06-30-2006 | 5.481 | 4.058 |
| 03-31-2006 | 5.315 | 4.044 |
| 12-31-2005 | 4.876 | 4.087 |
| 09-30-2005 | 4.768 | 4.072 |
| 06-30-2005 | 4.725 | 4.058 |
| 03-31-2005 | 4.612 | 4.037 |
| 12-31-2004 | 4.603 | 4.07 |
| 09-30-2004 | 4.629 | 4.079 |
| 06-30-2004 | 4.687 | 4.077 |
| 03-31-2004 | 4.76 | 4.094 |
| 12-31-2003 | 4.153 | 4.104 |
| 09-30-2003 | 4.17 | 4.112 |
| 06-30-2003 | 4.351 | 4.145 |
| 03-31-2003 | 4.537 | 4.157 |
| 12-31-2002 | 4.335 | 4.234 |