Each depositor insured to at least $250,000 per insured bank

Quarterly Banking Profile

Chart 4.
Community Bank Margins Improved in the Third Quarter
Quarterly Net Interest Margin
(Percent)
Year/Quarter Assets < $1 Billion Assets > $1 Billion
2004 Q1 3.99 3.62
2004 Q2 4.00 3.57
2004 Q3 4.10 3.54
2004 Q4 4.13 3.51
2005 Q1 4.05 3.44
2005 Q2 4.13 3.39
2005 Q3 4.16 3.39
2005 Q4 4.16 3.31
2006 Q1 4.10 3.35
2006 Q2 4.14 3.35
2006 Q3 4.10 3.27
2006 Q4 3.99 3.08
2007 Q1 3.91 3.23
2007 Q2 3.93 3.24
2007 Q3 3.93 3.27
2007 Q4 3.85 3.24
2008 Q1 3.69 3.28
2008 Q2 3.70 3.33
2008 Q3 3.78 3.32

Last Updated 11/25/2008 Questions, Suggestions & Requests