Citizens Community Bank
Ridgewood, NJ — Non-member Bank
Acquired May 2009
Tier 1 Capital Ratio Over Time
| Tier 1 Capital Ratio | Citizens Community Bank | All Insured Commercial Banks in New Jersey |
| 03-31-2009 | 15.838 | |
| 12-31-2008 | .38 | 16.724 |
| 09-30-2008 | 3.57 | 15.639 |
| 06-30-2008 | 5.6 | 15.066 |
| 03-31-2008 | 6.75 | 15.149 |
| 12-31-2007 | 7.73 | 15.752 |
| 09-30-2007 | 10.72 | 15.526 |
| 06-30-2007 | 13.13 | 16.387 |
| 03-31-2007 | 9.71 | 15.135 |
| 12-31-2006 | 9.59 | 14.792 |
| 09-30-2006 | 11.85 | 16.272 |
| 06-30-2006 | 13.94 | 17.884 |
| 03-31-2006 | 18.01 | 19.748 |
| 12-31-2005 | 26.28 | 16.033 |
| 09-30-2005 | 49.39 | 14.381 |
| 06-30-2005 | 100 | 13.839 |
| 03-31-2005 | 178.02 | 14.601 |
| 12-31-2004 | 232.03 | 13.978 |
| 09-30-2004 | 13.871 | |
| 06-30-2004 | 13.86 | |
| 03-31-2004 | 13.977 | |
| 12-31-2003 | 14.074 | |
| 09-30-2003 | 14.32 | |
| 06-30-2003 | 13.712 | |
| 03-31-2003 | 14.342 | |
| 12-31-2002 | 14.172 |