Citizens Community Bank
Ridgewood, NJ — Non-member Bank
Acquired May 2009
Total Capital Ratio Over Time
| Total Capital Ratio | Citizens Community Bank | All Insured Commercial Banks in New Jersey |
| 03-31-2009 | 16.999 | |
| 12-31-2008 | .76 | 17.882 |
| 09-30-2008 | 4.84 | 16.774 |
| 06-30-2008 | 6.89 | 16.225 |
| 03-31-2008 | 8.04 | 16.231 |
| 12-31-2007 | 9.04 | 16.869 |
| 09-30-2007 | 12 | 16.627 |
| 06-30-2007 | 14.42 | 17.457 |
| 03-31-2007 | 11.02 | 16.247 |
| 12-31-2006 | 10.87 | 15.86 |
| 09-30-2006 | 12.82 | 17.328 |
| 06-30-2006 | 14.87 | 18.878 |
| 03-31-2006 | 18.9 | 20.698 |
| 12-31-2005 | 27.18 | 17.074 |
| 09-30-2005 | 50.03 | 15.416 |
| 06-30-2005 | 100.38 | 14.841 |
| 03-31-2005 | 178.05 | 15.629 |
| 12-31-2004 | 232.03 | 15.016 |
| 09-30-2004 | 14.929 | |
| 06-30-2004 | 14.931 | |
| 03-31-2004 | 15.048 | |
| 12-31-2003 | 15.142 | |
| 09-30-2003 | 15.407 | |
| 06-30-2003 | 14.832 | |
| 03-31-2003 | 15.421 | |
| 12-31-2002 | 15.26 |