Citizens Community Bank
Ridgewood, NJ — Non-member Bank
Acquired May 2009
Loan-to-Deposit Over Time
| Loan-to-Deposit | Citizens Community Bank | All Insured Commercial Banks in New Jersey |
| 03-31-2009 | 67.593 | 82.614 |
| 12-31-2008 | 69.06 | 87.012 |
| 09-30-2008 | 71.106 | 89.368 |
| 06-30-2008 | 73.058 | 89.416 |
| 03-31-2008 | 76.704 | 86.642 |
| 12-31-2007 | 69.347 | 87.199 |
| 09-30-2007 | 74.807 | 83.298 |
| 06-30-2007 | 72.179 | 82.865 |
| 03-31-2007 | 69.647 | 82.044 |
| 12-31-2006 | 74.897 | 80.992 |
| 09-30-2006 | 73.579 | 80.838 |
| 06-30-2006 | 75.047 | 81.031 |
| 03-31-2006 | 58.741 | 79.419 |
| 12-31-2005 | 59.689 | 78.338 |
| 09-30-2005 | 28.654 | 77.611 |
| 06-30-2005 | 15.674 | 75.616 |
| 03-31-2005 | 76.797 | |
| 12-31-2004 | 77.171 | |
| 09-30-2004 | 75.084 | |
| 06-30-2004 | 72.885 | |
| 03-31-2004 | 71.829 | |
| 12-31-2003 | 72.809 | |
| 09-30-2003 | 71.487 | |
| 06-30-2003 | 68.877 | |
| 03-31-2003 | 69.202 | |
| 12-31-2002 | 69.422 |