The Dime Bank in city_name, state_name - Detailed Financial Reports, Location

The Dime Bank in Honesdale, Pennsylvania (PA)
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The Dime Bank routing number info

The Dime Bank - Overview

General
FDIC Certificate #: 9888
Status: Active
Federal Reserve ID: 56717
Bank Holding Company (Regulatory Top Holder): Dimeco, Inc (RSSDID: 2065432, Location: Honesdale, PA)
Date Established: January 01, 1906
WWW: http://www.thedimebank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 10146
FDIC's unique #: 6326
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 820-822 Church Street, Honesdale, PA 18431
County: Wayne
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Philadelphia
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $581.4 mil
Equity capital: $53.4 mil
Deposits held in domestic offices: $485.4 mil
Return on assets (ROA): 0.97% ($5.6 mil)
Quarterly return on assets: 0.87% ($5.1 mil)
Return on Equity (ROE): 10.61% ($5.6 mil)
Quarterly return on equity: 9.39% ($5.0 mil)
Net income: $5.4 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.23% ($7,151.8 mil)
Quarterly Pretax return on assets: 1.09% ($6,337.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
124Total employees (full-time equivalent)
$581,445Total assets
$9,923Cash and due from depository institutions
$5,408Interest-bearing balances
$95,221Securities
$0Federal funds sold & reverse repurchase agreements
$438,938Net loans & leases
$8,316Loan loss allowance
$0Trading account assets
$9,997Bank premises and fixed assets
$3,467Other real estate owned
$540Goodwill and other intangibles
$581,445Life insurance assets
$23,359All other assets
$528,059Total liabilities and capital
$485,409Total liabilities
$432,067Total deposits
$485,409Interest-bearing deposits
$86Deposits held in domestic offices
14686.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$23,618Trading liabilities
$0Other borrowed funds
$4,346Subordinated debt
$53,386All other liabilities
$53,386Total equity capital
$53,386Total bank equity capital
$0Perpetual preferred stock
$333Common stock
$1,756Surplus
$51,297Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$14,066Income earned, not collected on loans
$0Earning assets
$1,803Long-term assets (5+ years)
$539,567Average Assets, year-to-date
$201,171Average Assets, quarterly
$559,105Volatile liabilities
$575,490Insider loans
$482,148FHLB advances
$578,391Loans and leases held for sale
$10,060Unused loan commitments
$8,724Tier 1 (core) risk-based capital
$51,635Tier 2 risk-based capital
$0Total risk weighted assets
$1,336Total unused commitments
$67,807Restructured Loans and leases
$15,643Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$24,910Total interest income
$5,152Total interest expense
$19,758Net interest income
$2,875Provision for loan and lease losses
$3,194Total noninterest income
$33Fiduciary activities
$1,022Service charges on deposit accounts
$0Trading account gains & fees
$2,139Additional noninterest income
$13,244Total noninterest expense
$6,981Salaries and employee benefits
$1,570Premises and equipment expense
$4,693Additional noninterest expense
$6,833Pre-tax net operating income
$46Securities gains (losses)
$1,437Applicable income taxes
$5,442Income before extraordinary items
$0Extraordinary gains - net
$5,442Net income attributable to bank
$0Net charge-offs
$5,442Cash dividends
$2,300Sale, conversion, retirement of capital stock, net
$2,300Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.83%Yield on earning assets
1.00%Cost of funding earning assets
3.83%Net interest margin
0.62%Noninterest income to earning assets
2.57%Noninterest expense to earning assets
0.97%Net operating income to assets
0.97%Return on assets (ROA)
1.23%Pretax return on assets
10.61%Return on equity (ROE)
6.12%Retained earnings to average equity (YTD only)
0.53%Net charge-offs to loans
125.00%Credit loss provision to net charge-offs
4.22%Efficiency ratio
57,703Assets per employee
4.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.26%Loss allowance to loans
1.86%Loss allowance to noncurrent loans
59.12%Noncurrent assets plus other real estate owned to assets
3.02%Noncurrent loans to loans
3.14%Net loans and leases to deposits
90.43%Net loans and leases to core deposits
113.24%Equity capital to assets
9.18%Core capital (leverage) ratio
8.93%Tier 1 risk-based capital ratio
10.71%Total risk-based capital ratio
Memoranda
$12Average assets
$559,105Average earning assets
$51,308Average equity
$516,078Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,661Managed Assets
1Number of Accounts
$1,590Personal trust and agency accounts
$1,590Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
9Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$71Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

7 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6326	The Dime Bank	820-822 Church Street, Honesdale, PA 18431	January 01, 1906	Full Service Brick and Mortar
3	221470	Hawley Branch	309 Main Avenue, Hawley, PA 18428	June 20, 1988	Full Service Brick and Mortar
4	221471	Damascus Branch	1679 Cochecton Tpke, Damascus, PA 18415	August 01, 1995	Full Service Brick and Mortar
5	221472	Greentown Branch	1586 Route 507, Greentown, PA 18426	October 01, 1996	Full Service Brick and Mortar
6	357132	Operations Center Branch	120 Sunrise Avenue, Honesdale, PA 18431	October 01, 1998	Limited Service Administrative
7	433882	Dingmans Ferry Branch	1824 Route 739, Dingmans Ferry, PA 18328	December 29, 2004	Full Service Brick and Mortar
8	491627	Lake Region Office	Welwood Avenue, Hawley, PA 18428	December 17, 2008	Full Service Brick and Mortar

The Dime Bank in Honesdale, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Dime Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Dime Bank in Honesdale, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

The Dime Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Dime Bank in Honesdale, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches