Citizens Community Bank
Ridgewood, NJ — Non-member Bank
Acquired May 2009
Net Interest Margin Over Time
| Net Interest Margin | Citizens Community Bank | All Insured Commercial Banks in New Jersey |
| 03-31-2009 | 1.259 | 2.973 |
| 12-31-2008 | .912 | 3.379 |
| 09-30-2008 | 1.083 | 3.422 |
| 06-30-2008 | 1.138 | 3.419 |
| 03-31-2008 | 1.17 | 3.36 |
| 12-31-2007 | 2.455 | 3.67 |
| 09-30-2007 | 2.703 | 3.634 |
| 06-30-2007 | 2.962 | 3.673 |
| 03-31-2007 | 2.89 | 3.557 |
| 12-31-2006 | 3.135 | 3.775 |
| 09-30-2006 | 3.061 | 3.858 |
| 06-30-2006 | 3.056 | 3.885 |
| 03-31-2006 | 2.794 | 3.834 |
| 12-31-2005 | 1.871 | 3.97 |
| 09-30-2005 | 1.556 | 3.905 |
| 06-30-2005 | 1.653 | 3.895 |
| 03-31-2005 | 1.465 | 3.91 |
| 12-31-2004 | 2.015 | 3.875 |
| 09-30-2004 | 3.901 | |
| 06-30-2004 | 3.93 | |
| 03-31-2004 | 3.913 | |
| 12-31-2003 | 3.853 | |
| 09-30-2003 | 3.829 | |
| 06-30-2003 | 3.891 | |
| 03-31-2003 | 3.931 | |
| 12-31-2002 | 4.071 |