Watertown Savings Bank
Watertown, NY — State Savings Bank
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Net Interest Margin Over Time
| Net Interest Margin | Watertown Savings Bank | All Insured Savings Banks in New York |
| 12-31-2016 | 3.317 | 3.356 |
| 09-30-2016 | 3.29 | 3.346 |
| 06-30-2016 | 3.292 | 3.359 |
| 03-31-2016 | 3.272 | 3.364 |
| 12-31-2015 | 3.411 | 3.342 |
| 09-30-2015 | 3.41 | 3.342 |
| 06-30-2015 | 3.387 | 3.34 |
| 03-31-2015 | 3.39 | 3.359 |
| 12-31-2014 | 3.492 | 3.401 |
| 09-30-2014 | 3.51 | 3.407 |
| 06-30-2014 | 3.565 | 3.408 |
| 03-31-2014 | 3.662 | 3.418 |
| 12-31-2013 | 3.867 | 3.36 |
| 09-30-2013 | 3.651 | 3.431 |
| 06-30-2013 | 3.579 | 3.424 |
| 03-31-2013 | 3.543 | 3.409 |
| 12-31-2012 | 3.688 | 3.496 |
| 09-30-2012 | 3.567 | 3.358 |
| 06-30-2012 | 3.599 | 3.397 |
| 03-31-2012 | 3.619 | 3.422 |
| 12-31-2011 | 3.752 | 3.327 |
| 09-30-2011 | 3.657 | 3.235 |
| 06-30-2011 | 3.638 | 3.252 |
| 03-31-2011 | 3.627 | 3.279 |
| 12-31-2010 | 3.467 | 3.153 |
| 09-30-2010 | 3.464 | 3.136 |
| 06-30-2010 | 3.592 | 3.119 |
| 03-31-2010 | 3.645 | 3.098 |
| 12-31-2009 | 3.398 | 3.07 |
| 09-30-2009 | 3.334 | 3.053 |
| 06-30-2009 | 3.3 | 3.082 |
| 03-31-2009 | 3.286 | 3.049 |
| 12-31-2008 | 3.381 | 3.017 |
| 09-30-2008 | 3.365 | 2.953 |
| 06-30-2008 | 3.26 | 2.855 |
| 03-31-2008 | 3.377 | 2.828 |
| 12-31-2007 | 4.067 | 3.11 |
| 09-30-2007 | 3.55 | 3.065 |
| 06-30-2007 | 3.548 | 3.057 |
| 03-31-2007 | 3.566 | 3.065 |
| 12-31-2006 | 4.262 | 3.187 |
| 09-30-2006 | 3.72 | 3.223 |
| 06-30-2006 | 3.729 | 3.188 |
| 03-31-2006 | 3.792 | 3.178 |
| 12-31-2005 | 3.943 | 3.435 |
| 09-30-2005 | 3.704 | 3.977 |
| 06-30-2005 | 3.698 | 3.47 |
| 03-31-2005 | 3.652 | 3.482 |
| 12-31-2004 | 3.768 | 3.515 |
| 09-30-2004 | 3.396 | 3.448 |
| 06-30-2004 | 3.385 | 3.455 |
| 03-31-2004 | 3.405 | 3.574 |
| 12-31-2003 | 3.372 | 3.574 |
| 09-30-2003 | 3.36 | 3.605 |
| 06-30-2003 | 3.455 | 3.656 |
| 03-31-2003 | 3.407 | 3.717 |
| 12-31-2002 | 3.868 | 3.829 |