Net Interest Margin Over Time
Net Interest Margin United Heritage Bank All Insured Commercial Banks in New Jersey
12-31-2006 2.7 3.775
09-30-2006 2.798 3.858
06-30-2006 2.871 3.885
03-31-2006 3.049 3.834
12-31-2005 3.1 3.97
09-30-2005 3.113 3.905
06-30-2005 3.138 3.895
03-31-2005 3.177 3.91
12-31-2004 2.328 3.875
09-30-2004 2.133 3.901
06-30-2004 1.949 3.93
03-31-2004 1.968 3.913
12-31-2003 2.137 3.853
09-30-2003 2.155 3.829
06-30-2003 2.204 3.891
03-31-2003 2.242 3.931
12-31-2002 2.86 4.071