Citizens Community Bank
Ridgewood, NJ — Non-member Bank
Acquired May 2009
Leverage Ratio Over Time
| Leverage Ratio | Citizens Community Bank | All Insured Commercial Banks in New Jersey |
| 03-31-2009 | 11.601 | |
| 12-31-2008 | .27 | 12.293 |
| 09-30-2008 | 2.67 | 11.863 |
| 06-30-2008 | 4.17 | 11.535 |
| 03-31-2008 | 4.41 | 11.278 |
| 12-31-2007 | 5.16 | 11.981 |
| 09-30-2007 | 8.34 | 11.307 |
| 06-30-2007 | 8.6 | 11.974 |
| 03-31-2007 | 7.15 | 11.064 |
| 12-31-2006 | 6.59 | 10.735 |
| 09-30-2006 | 8.27 | 11.586 |
| 06-30-2006 | 9.67 | 12.146 |
| 03-31-2006 | 11.92 | 11.909 |
| 12-31-2005 | 15.45 | 10.173 |
| 09-30-2005 | 20.73 | 9.741 |
| 06-30-2005 | 36.18 | 9.52 |
| 03-31-2005 | 50.34 | 9.619 |
| 12-31-2004 | 85.62 | 9.495 |
| 09-30-2004 | 9.459 | |
| 06-30-2004 | 9.486 | |
| 03-31-2004 | 9.433 | |
| 12-31-2003 | 9.378 | |
| 09-30-2003 | 9.339 | |
| 06-30-2003 | 9.182 | |
| 03-31-2003 | 9.367 | |
| 12-31-2002 | 9.317 |