The Dime Bank

820-822 Church Street
Honesdale, PA 18431
www.thedimebank.com

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The Dime Bank is headquartered in Honesdale and is the 64^th largest bank in the state of Pennsylvania. It is also the 1,160^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 124 employees at 7 locations. The Dime Bank has a 3-star health rating.

2.05% 9-Month CD at The Dime Bank in Pennsylvania - Local Only - 10/22/2009

The Dime Bank is offering a special 2.05% APY 9-month CD. Minimum deposit is $10,000. This rate is listed at the bank's rates page as of 10/22/09.It appears that a branch visit is required to open an account. Branches are located northeast Pennsylvania...

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Dime Bank Checking Account Rates

Apy	Min	Max	Product
0.40%	$100k	-	Platinum Checking Account
0.35%	$100k	-	One Fund Checking Account
0.05%	$1k	-	Checking Plus Account

The Dime Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	$25k	-	Kids Club Account
0.25%	$25k	-	Statement Saving Account

The Dime Bank Money Market Rates

	Apy	Min	Max	Product
	0.55%	$250k	-	Money Market Account

The Dime Bank CD Rates

Apy	Min	Max	Product
1.95%	$2,500	-	60 Month CD
1.80%	$10k	-	36 Month Platinum CD
1.60%	$2,500	-	48 Month CD
1.20%	$2,500	-	36 Month CD
0.85%	$10k	-	24 Month Platinum CD
0.80%	$10k	-	12 Month Platinum CD
0.80%	$2,500	-	30 Month CD
0.70%	$2,500	-	24 Month CD
0.55%	$10k	-	6 Month Platinum CD
0.55%	$2,500	-	18 Month CD
0.50%	$2,500	-	12 Month CD
0.45%	$10k	-	3 Month Platinum CD
0.35%	$1k	-	12 Month Choice CD
0.30%	$2,500	-	6 Month CD
0.20%	$2,500	-	3 Month CD

The Dime Bank IRA Rates

Apy	Min	Max	Product
2.05%	$1k	-	60 Month IRA
1.70%	$1k	-	48 Month IRA
1.30%	$1k	-	36 Month IRA
0.80%	$1k	-	24 Month IRA
0.60%	$1k	-	12 Month IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

The Dime Bank
FDIC Certificate #	9888
BankRate Report	View
Year Established	1906
Employees	124
Primary Regulator	FDIC
Assets and Liabilities
Assets	$582.46 million
Loans	$447.25 million
Deposits	$476.88 million
Equity Capital	$54.32 million
Loan Loss Allowance	$8.82 million
Unbacked Noncurrent Loans	$16.36 million
Real Estate Owned	$2.75 million
Historic Data - March 2011
Assets	$542.83 million
Equity Capital	$49.85 million
Loan Loss Allowance	$7.12 million
Unbacked Noncurrent Loans	$13.35 million
Real Estate Owned	$4.00 million
Profit Margin - Quarterly
Net Interest Margin	3.85%
Return on Assets	1.09%
Return on Equity	11.75%
Interest Income	$6.33 million

Institution Health

Overall Score:

3 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 The Dime Bank had $19.1 million in non-current loans and owned real-estate with $63.14 million in equity and loan loss allowances on hand to cover it. This gives The Dime Bank a Texas Ratio of 30.26% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for The Dime Bank held steady from 30.44% as of March 31, 2011 to 30.26% as of March 31, 2012, resulting in a positive change of 0.62%.This indicates that the balance sheet and financial strength for The Dime Bank has held steady in recent periods.
Deposit Growth
In the past year, The Dime Bank has increased its total deposits by $25.15 million, resulting in 5.57% 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 The 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. The Dime Bank has $582.46 million in assets with $63.14 million in equity, resulting in a capitalization level of 10.84%, which is above average.