Citizens Community Bank
Ridgewood, NJ — Non-member Bank
Acquired May 2009
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Citizens Community Bank | All Insured Commercial Banks in New Jersey |
| Interest and Fees on Loans | 460 | 4,435 |
| Income from Lease Financing Receivables | — | 1,134 |
| — | 70 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 34 |
| Income on Loans and Leases (TE) | 460 | 4,534 |
| Investment Interest Income (TE) | 36 | 814 |
| Total Interest Income (TE) | 500 | 4,949 |
| Total Interest Expense | 374 | 1,871 |
| Net Interest Income (TE) | 126 | 3,027 |
| Non-Interest Income | 648 | 1,265 |
| Adjusted Operating Income (TE) | 774 | 4,135 |
| Non-interest Expense | 1,158 | 3,047 |
| Provision for Loan & Lease Losses | — | 1,229 |
| Pretax Operating Income (TE) | — | 2,542 |
| Pretax Net Operating Income (TE) | — | 2,450 |
| Applicable Income Taxes | — | 728 |
| Net Operating Income | — | 1,617 |
| Net Income | — | 1,617 |
| Cash Dividends Declared | — | 3,112 |
| Retained Earnings | — | 590 |