Waycross Bank & Trust
Waycross, GA — Non-member Bank
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Net Interest Margin Over Time
| Net Interest Margin | Waycross Bank & Trust | All Insured Commercial Banks in Georgia |
| 12-31-2016 | 3.213 | 4.031 |
| 09-30-2016 | 3.185 | 4.028 |
| 06-30-2016 | 3.198 | 4.008 |
| 03-31-2016 | 3.179 | 4.018 |
| 12-31-2015 | 3.083 | 4.023 |
| 09-30-2015 | 3.081 | 3.993 |
| 06-30-2015 | 3.099 | 3.947 |
| 03-31-2015 | 3.142 | 3.907 |
| 12-31-2014 | 3.532 | 3.965 |
| 09-30-2014 | 3.546 | 3.953 |
| 06-30-2014 | 3.529 | 3.912 |
| 03-31-2014 | 3.487 | 3.851 |
| 12-31-2013 | 3.487 | 3.871 |
| 09-30-2013 | 3.497 | 3.845 |
| 06-30-2013 | 3.525 | 3.809 |
| 03-31-2013 | 3.486 | 3.753 |
| 12-31-2012 | 3.524 | 3.876 |
| 09-30-2012 | 3.534 | 3.863 |
| 06-30-2012 | 3.567 | 3.832 |
| 03-31-2012 | 3.63 | 3.802 |
| 12-31-2011 | 3.714 | 3.778 |
| 09-30-2011 | 3.715 | 3.736 |
| 06-30-2011 | 3.662 | 3.654 |
| 03-31-2011 | 3.545 | 3.548 |
| 12-31-2010 | 3.522 | 3.49 |
| 09-30-2010 | 3.578 | 3.452 |
| 06-30-2010 | 3.695 | 3.398 |
| 03-31-2010 | 3.768 | 3.366 |
| 12-31-2009 | 3.578 | 3.225 |
| 09-30-2009 | 3.51 | 3.188 |
| 06-30-2009 | 3.486 | 3.141 |
| 03-31-2009 | 3.509 | 3.091 |
| 12-31-2008 | 3.565 | 3.451 |
| 09-30-2008 | 3.644 | 3.539 |
| 06-30-2008 | 3.651 | 3.593 |
| 03-31-2008 | 3.67 | 3.695 |
| 12-31-2007 | 3.766 | 4.299 |
| 09-30-2007 | 3.798 | 4.362 |
| 06-30-2007 | 3.796 | 4.402 |
| 03-31-2007 | 3.812 | 4.392 |
| 12-31-2006 | 3.737 | 4.682 |
| 09-30-2006 | 3.823 | 4.707 |
| 06-30-2006 | 3.88 | 4.695 |
| 03-31-2006 | 3.868 | 4.589 |
| 12-31-2005 | 3.673 | 4.561 |
| 09-30-2005 | 3.635 | 4.517 |
| 06-30-2005 | 3.607 | 4.464 |
| 03-31-2005 | 3.607 | 4.388 |
| 12-31-2004 | 3.675 | 4.386 |
| 09-30-2004 | 3.701 | 4.37 |
| 06-30-2004 | 3.673 | 4.329 |
| 03-31-2004 | 3.669 | 4.334 |
| 12-31-2003 | 3.52 | 4.329 |
| 09-30-2003 | 3.516 | 4.316 |
| 06-30-2003 | 3.503 | 4.278 |
| 03-31-2003 | 3.623 | 4.252 |
| 12-31-2002 | 3.902 | 4.478 |