Dime Bank

Dime Bank is headquartered in Norwich and is the 17^st largest bank in the state of Connecticut. It is also the 908^th largest bank in the nation. It was established in 1869 and as of March of 2012, it had grown to 172 employees at 11 locations. Dime Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Dime Bank FDIC Certificate # 18200 BankRate Report View Year Established 1869 Employees 172 Primary Regulator FDIC Assets and Liabilities Assets $732.83 million Loans $517.55 million Deposits $508.97 million Equity Capital $71.05 million Loan Loss Allowance $5.14 million Unbacked Noncurrent Loans $11.36 million Real Estate Owned $1.17 million Historic Data - March 2011 Assets $679.69 million Equity Capital $68.02 million Loan Loss Allowance $5.04 million Unbacked Noncurrent Loans $7.75 million Real Estate Owned $2.19 million Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 0.59% Return on Equity 6.05% Interest Income $7.80 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Dime Bank had $12.53 million in non-current loans and owned real-estate with $76.19 million in equity and loan loss allowances on hand to cover it. This gives Dime Bank a Texas Ratio of 16.45% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Dime Bank held steady from 13.60% as of March 31, 2011 to 16.45% as of March 31, 2012, resulting in a negative change of 20.89%. This indicates that the balance sheet and financial strength for Dime Bank has held steady in recent periods. Deposit Growth In the past year, Dime Bank has increased its total deposits by $40.8 million, resulting in 8.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dime Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dime Bank has $732.82 million in assets with $76.19 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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