0001140361-18-003416.txt : 20180126 0001140361-18-003416.hdr.sgml : 20180126 20180126164620 ACCESSION NUMBER: 0001140361-18-003416 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 5 CONFORMED PERIOD OF REPORT: 20180125 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20180126 DATE AS OF CHANGE: 20180126 FILER: COMPANY DATA: COMPANY CONFORMED NAME: DIME COMMUNITY BANCSHARES INC CENTRAL INDEX KEY: 0001005409 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 113297463 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-27782 FILM NUMBER: 18552518 BUSINESS ADDRESS: STREET 1: 209 HAVEMEYER ST STREET 2: C/O DIME SAVINGS BANK OF WILLIAMSBURGH CITY: BROOKLYN STATE: NY ZIP: 11211 BUSINESS PHONE: 7187826200 MAIL ADDRESS: STREET 1: 209 HAVEMEYER STREET CITY: BROOKLYN STATE: NY ZIP: 11211 FORMER COMPANY: FORMER CONFORMED NAME: DIME COMMUNITY BANCORP INC DATE OF NAME CHANGE: 19951227 8-K 1 form8k.htm 8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

 
 
 

FORM 8-K

 
 
 

 CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported):  January 25, 2018
 
 
 
 
 
DIME COMMUNITY BANCSHARES, INC.
(Exact name of the Company as specified in its charter)
 
 
 
 


Delaware
000-27782
11-3297463
(State or other jurisdiction of
incorporation or organization)
(Commission File Number)
(IRS Employer
Identification No.)

300 Cadman Plaza West, 8th Floor
   
Brooklyn, New York
 
11201
(Address of principal executive offices)
 
(Zip Code)

(718) 782-6200
(Company’s telephone number)

N/A
(Former name or former address, if changed since last report)

 
 
 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Company under any of the following provisions:

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4c)

Indicate by check mark whether the Company is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company

If an emerging growth company, indicate by check mark if the Company has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
 


Item 2.02
Results of Operations and Financial Condition

On January 25, 2018, Dime Community Bancshares, Inc. (the “Company”) issued a press release containing a discussion of its results of operations and financial condition for the quarter and year ended December 31, 2017. The text of the press release is included as Exhibit 99.1 to this report and is incorporated herein by reference. Exhibit 99.1 to this report is being “furnished” to the SEC and shall not be deemed “filed” for any purposes.

Item 7.01
Regulation FD Disclosure

On January 25, 2018, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.14 per common share, payable on February 13, 2018 to stockholders of record on February 6, 2018. The text of the press release is attached as Exhibit 99.2 and is incorporated herein by reference. Exhibit 99.2 to this report is being “furnished” to the SEC and shall not be deemed “filed” for any purpose.

Item 8.01
Other Events

On December 22, 2017, the President signed into law the Tax Cuts and Jobs Act (the “Act”).  The Act amends the Internal Revenue Code to reduce tax rates and modify policies, credits, and deductions for individuals and business.  For businesses, the Act reduces the corporate federal tax rate from a maximum rate of 35% to a flat rate of 21%.  The rate reduction took effect January 1, 2018.

Under generally accepted accounting principles, the Company uses the asset and liability method of accounting for income taxes.  Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis.  Deferred tax assets and liabilities are measured using enacted tax rates expected to be recovered or settled.  As of a result of the reduction in the corporate income tax rate from 35% to 21%, the Company recorded tax expense of $3.1 million during the quarter ended December 31, 2017.  The impact to the Company’s earnings per common share during the quarter is estimated to be a reduction of approximately $0.08 per diluted share.

It is also estimated that the Company’s effective tax rate (including state and local tax) beginning in 2018 will approximate 25% due to this new tax legislation.  The Company’s actual revaluation of its deferred tax asset may vary from the estimated amount due to further clarification of the Act that cannot be estimated at this time.

This document contains a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). These statements may be identified by use of words such as "anticipate," "believe," “continue,” "could," "estimate," "expect," "intend," “likely,” "may," "outlook," "plan," "potential," "predict," "project," "should," "will," "would" and similar terms and phrases, including references to assumptions.

Forward-looking statements are based upon various assumptions and analyses made by the Company in light of management's experience and its perception of historical trends, current conditions and expected future developments, as well as other factors it believes are appropriate under the circumstances which factors are discussed in greater detail in the annual and quarterly reports it files with the SEC. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (many of which are beyond the Company's control) that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements which factors are discussed in greater detail in the annual and quarterly reports it files with the SEC. Accordingly, you should not place undue reliance on such statements.


Item 9.01          Financial Statements and Exhibits

  (d)
Exhibits.

  99.1
Press release of the Company, dated January 25, 2018, containing a discussion of the Company's results of operations and financial condition for the quarter and year ended December 31, 2017

  99.2
Press release of the Company, dated January 25, 2018, containing a discussion of the Company’s declaration of a cash dividend


SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dime Community Bancshares, Inc.
(Company)
   
/s/ JAMES L. RIZZO
James L. Rizzo
Senior Vice President  & Comptroller
(Principal Financial Officer)

Dated:  January 26, 2018


INDEX TO EXHIBITS

Exhibit Number

99.1
Press release of the Company, dated January 25, 2018, containing a discussion of the Company's results of operations and financial condition for the quarter and year ended December 31, 2017

99.2
Press release of the Company, dated January 25, 2018, containing a discussion of the Company’s declaration of a cash dividend


 


EX-99.1 2 ex99_1.htm EXHIBIT 99.1

Exhibit 99.1
 
DIME COMMUNITY BANCSHARES, INC. REPORTS EARNINGS
Diluted Earnings per Share of $1.38 for the Year and $0.41 for the Quarter

Brooklyn, NY – January 25, 2018 – Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company”), the parent company of Dime Community Bank (the “bank”), today reported net income of $51.9 million for the fiscal year ended December 31, 2017, or $1.38 per diluted common share. For the quarter ended December 31, 2017, net income was $15.4 million, or $0.41 per diluted common share.

Highlights for the fiscal year of 2017 included:

·
Successful launch of the Business Banking division, with commercial and industrial (“C&I”) loan balances of $137 million and direct-sourced commercial real estate (“CRE”) loan balances of $98.6 million at year-end;
·
Consolidated Company CRE concentration ratio declined to approximately 778% at year-end 2017, versus 903% at year-end 2016;
·
Continued expense discipline, with operating expenses to average assets (adjusted for non-recurring expenses) remaining well-controlled on a year-over-year basis; and
·
Reported book value per share and tangible book value (common equity less goodwill divided by number of shares outstanding) per share grew to $16.00 and $14.51, respectively, at December 31, 2017.

Highlights for the fourth quarter of 2017 included:

·
Continued the build out of the Business Banking division via the hire of Alan Green, Senior Vice President of Business Banking, who will operate from the bank’s Manhattan office;
·
Hired a proven industry veteran, Nancy Tomich, Senior Vice President and Head of Residential Lending, who will be responsible for building the bank’s residential lending infrastructure;
·
Significantly bolstered the risk management department with the hires of Chris Porzelt, Executive Vice President and Chief Risk Officer, who will be responsible for managing all aspects of the buildout of the bank’s enterprise risk management function, and Kevin Corbett, Senior Vice President and Chief Credit Officer, who will be responsible for overseeing the bank’s credit administration department;
·
Successfully completed a $280 million securitization of multifamily loans in December through a Freddie Mac sponsored “Q-deal” securitization (“Loan Securitization”); transaction represents first such multifamily loan securitization for a bank headquartered in the metropolitan New York City marketplace;
·
Loan-to-deposit ratio declined to 127% at year-end 2017 versus 137% at the end of the third quarter of 2017; and
·
Credit quality continued to remain pristine, with total non-performing loans to loans of 0.01%.


Page 2
Kenneth J. Mahon, President and CEO of the Company, commented, “During 2017, Dime put into place the necessary building blocks for our transformation towards a leading community commercial bank. The early results of our Business Banking initiative are extremely promising. Importantly, the Business Banking division ended the year with approximately $52 million of low-cost relationship-based deposits at an average cost of approximately 10 basis points and approximately 43% of the year-to-date originations have been floating rate loans.”

Mr. Mahon concluded, “Our focus in 2018 is to continue to grow relationship-based loans and improve the composition of our deposit base. At the same time, we will remain steadfast in maintaining our key competitive strengths of expense discipline and maintaining pristine credit quality.”

Management’s Discussion of 2017 Operating Results

Net Interest Income

Net interest income in 2017 was $152.7 million, an increase of $9.2 million (+6.4%) from 2016. The increase reflects a $16.5 million increase in interest income compared to a $7.2 million increase in interest expense. The growth in interest income was driven by an increase of $656.6 million (+12.3%) in average interest-earning assets, which more than offset the 13 basis point decline in average yield. The increase in interest expense was attributable to an increase of $579.9 million (+16.4%) in average interest-bearing deposits as well as an increase in the cost of borrowed funds of 13 basis points. Net interest margin (“NIM”) was 2.54% during 2017, compared to 2.68% in 2016. NIM was negatively impacted in 2017 by lower income recognized from loan prepayment activity. For 2017, income from prepayment activity totaled $5.0 million, benefiting NIM by 8 basis points, compared to $9.0 million, or 17 basis points in 2016.

Balance Sheet

Total assets grew by $398.0 million (+6.6%) in 2017, primarily the result of an increase in investment securities by $338.3 million and cash by $56.0 million. While the decrease in total loans during 2017 was $34.8 million, a shift in the portfolio mix resulted in a decrease of real estate loans by $168.9 million and an increase in C&I loans by $134.6 million. Total loan originations were $899.9 million during 2017, down from $1.54 billion in 2016, of which $757.9 million were real estate loans and $139.7 million were C&I and other loans. The real estate loan payoff rate of 10.8% in 2017 was less than the 2016 payoff rate of 14.6%. Deposits remained relatively flat in 2017 compared to 2016.  Borrowings rose by $381.8 million, primarily due to the increase in Federal Home Loan Bank advances of $338.9 million. The additional increase of $42.9 million in borrowings during 2017 was the result of the issuance of subordinated debt in June 2017, offset by the redemption of trust preferred securities in July 2017.

Non-Interest Income

Non-interest income of $21.5 million in 2017 included gains of $10.4 million from the sale of real estate property, $2.6 million from the sale of the Company’s pooled trust preferred securities portfolio, and $1.5 million from the sale of loans. Non-interest income of $75.9 million in 2016 included gains of $68.2 million from the sale of real estate property. Excluding these gains, non-interest income was $7.0 million in 2017 and $7.7 million in 2016.


Page 3
Non-Interest Expense
 
Non-interest expense was $85.0 million in 2017 and $83.8 million during 2016. During 2017, the Company recognized non-recurring expenses of $1.3 million for loss on extinguishment of debt related to the redemption of trust preferred securities and $1.7 million related to de-conversion costs associated with the planned change in the bank’s core processor. During 2016, the Company recognized a non-cash, non-tax deductible expense of $11.3 million on the prepayment of the Employee Stock Ownership Plan (“ESOP”) share acquisition loan. Excluding these items, non-interest expense was $82.0 million in 2017 and $72.5 million in 2016, an increase of $9.5 million. The increase was primarily the result of higher occupancy expense of $2.1 million, data processing expense of $1.4 million, marketing expense of $1.7 million, accelerated consulting expenses of $1.4 million, and recognition of the bank’s first loss guarantee for the Loan Securitization totaling $0.4 million. The additional consulting expense was related to an earlier-than-anticipated completion of such services.

The ratio of non-interest expense to average assets was 1.37% in 2017 compared to 1.51% in 2016. Excluding the non-recurring expenses mentioned above, the ratio was 1.32% and 1.31% for 2017 and 2016, respectively. The efficiency ratio was 53.24% in 2017, down from 55.48% in 2016. Excluding the non-recurring expenses mentioned above, the ratio was 51.37% and 47.98% for 2017 and 2016, respectively.

Management’s Discussion of Quarterly Operating Results

Net Interest Income

Net interest income in the fourth quarter of 2017 was $38.7 million, comparable to the third quarter of 2017, and an increase of $0.8 million (+2.2%) over the fourth quarter of 2016.  NIM was 2.50% during the fourth quarter of 2017, compared to 2.53% in the third quarter of 2017, and 2.67% in the fourth quarter of 2016. The linked quarter decrease in NIM was due to lower income recognized from loan prepayment activity and an increase in the cost of deposits of 5 basis points. For the fourth quarter of 2017, income from prepayment activity totaled $1.3 million, benefiting NIM by 8 basis points, compared to $1.4 million, or 9 basis points, during the third quarter of 2017, and $2.7 million, or 19 basis points, during the fourth quarter of 2016.

Average interest-earning assets were $6.20 billion for the fourth quarter of 2017, representing a 7.8% (annualized) increase from $6.08 billion for the third quarter of 2017 and a 9.1% increase from $5.69 billion for the fourth quarter of 2016.

The average yield on interest-earning assets was 3.52%, 3.53%, and 3.64% for the fourth quarter of 2017, third quarter of 2017, and fourth quarter of 2016, respectively. Excluding prepayment income, the average yield on interest-earning assets was 3.44%, flat with the third quarter of 2017, and 2 basis points lower than fourth quarter 2016, while the average cost of funds was 1.19%, 5 basis points higher than the 1.14% cost of funds for third quarter of 2017 and 6 basis points higher than the fourth quarter of 2016.


Page 4
Loans
 
The real estate loan portfolio decreased by $402.5 million during the fourth quarter of 2017, primarily as a result of the Loan Securitization. Real estate loan originations were $70.6 million during the quarter, at a weighted average interest rate of 4.36%. Real estate loan amortization and satisfactions totaled $143.6 million, or 10.2% (annualized) of the portfolio balance, at an average rate of 4.11%. The annualized real estate loan payoff rate of 10.2% for fourth quarter 2017 was in line with the third quarter 2017 and lower than the fourth quarter 2016 (15.1%). Average real estate loans were $5.82 billion in the fourth quarter of 2017, a decrease of $19.1 million (-1.3% annualized) from the third quarter of 2017 and an increase of $263.7 million (+4.7%) from the fourth quarter of 2016.

Included in total real estate loan originations during the fourth quarter of 2017 were $24.1 million of originations from the Business Banking division at a weighted average rate of 4.78%, compared to $41.5 million of originations at a weighted average rate of 4.62% during the third quarter of 2017.

At December 31, 2017, the bank had outstanding real estate loan commitments totaling $46.1 million, at an average interest rate approximating 4.20%, all of which are likely to close during the quarter ending March 31, 2018.

C&I loan originations were $27.5 million during the quarter, at a weighted average rate of 4.94%, compared to $44.6 million at a weighted average rate of 4.60% during the third quarter of 2017. Total C&I loan balances were $136.7 million at the end of the fourth quarter of 2017, compared to $111.1 million at the end of the third quarter of 2017.

Cash and Securities

Fourth quarter 2017 cash and securities balances increased by $320.4 million versus the third quarter of 2017, primarily as a result of the Loan Securitization which was completed in December 2017.

Deposits and Borrowed Funds

Total deposits grew $32.3 million (+3.0% annualized) compared to the third quarter of 2017. This was primarily the result of a $66.4 million increase in certificates of deposits, offset by a $47.0 million decrease in money market accounts. Declines in money market accounts were primarily driven by outflows in DimeDirect, the bank’s online channel as the bank’s posted rate in the fourth quarter of 2017 continued to lag many of its online competitors.

The average cost of deposits increased 5 basis points on a linked quarter basis to 0.91% as the bank selectively increased rates on certain deposit products in light of increased deposit competition.

The loan-to-deposit ratio fell to 127.2% at December 31, 2017, from 136.8% at September 30, 2017 and 128.3% at December 31, 2016. The linked quarter decline in the ratio was primarily the result of the Loan Securitization.

Total borrowings decreased $47.5 million during the fourth quarter of 2017 versus the third quarter of 2017, as deposit growth outpaced loan growth. In the fourth quarter, the Company entered into $110.0 million of long-term borrowings (with initial terms of 2 years and more), at an average rate of 2.22%, versus $97.0 million of long-term borrowings at an average rate of 1.74% in the third quarter of 2017.


Page 5
Non-Interest Income

Non-interest income was $13.7 million during the fourth quarter of 2017. This includes gains of $10.4 million from the sale of real estate property and $1.5 million from the sale of loans. Non-interest income of $4.3 million for the third quarter of 2017 included gains of $2.6 million from the sale of the Company’s pooled trust preferred securities portfolio. Excluding these gains, non-interest income was $1.8 million during the fourth quarter of 2017 and $1.7 million during the third quarter of 2017, and comparable to the fourth quarter of 2016.

Non-Interest Expense

Non-interest expense was $22.6 million during the fourth quarter of 2017, $22.2 million during the third quarter of 2017, and $29.6 million during the fourth quarter of 2016. During the third quarter of 2017, the Company recognized non-recurring expenses of $1.3 million for loss on extinguishment of debt related to the redemption of trust preferred securities and $1.7 million related to de-conversion costs associated with the planned change in the bank’s core processor. During the fourth quarter of 2016, the Company recognized a non-cash, non-tax deductible expense of $11.3 million on the prepayment of the ESOP share acquisition loan.

Excluding these non-recurring items, non-interest expense was $19.2 million during the third quarter of 2017 and $18.3 million during the fourth quarter of 2016. The increase in non-interest expenses in the fourth quarter 2017 of $3.4 million versus the linked quarter was primarily the result of an increase in salaries and benefits by $1.2 million, accelerated consulting expenses of $1.4 million, and recognition of the bank’s first loss guarantee for the Loan Securitization totaling $0.4 million. The increase in salaries and benefits in the fourth quarter of 2017 included a one-time bonus accrual of $0.4 million for non-executive employees, as part of the Company’s previously announced plan to share the benefits of the Federal tax cuts with employees. The accelerated consulting expense recognized in the fourth quarter of 2017 was related to an earlier-than- anticipated completion of such services.

The ratio of non-interest expense to average assets was 1.41% during the fourth quarter of 2017, in line with the third quarter of 2017 (1.41%),and lower than the fourth quarter of 2016 (2.01%). Excluding the non-recurring expenses mentioned above, the ratio was 1.22% during the third quarter of 2017 and 1.25% during the fourth quarter of 2016. The efficiency ratio was 55.63% during the fourth quarter of 2017, comparable to 55.29% during the linked quarter, and lower than 74.58% during the fourth quarter of 2016. Excluding the non-recurring expenses mentioned above, the ratio was 47.8% during the third quarter of 2017 and 46.1% during the fourth quarter of 2016.

Income Tax Expense and Deferred Tax Asset and Liability Re-evaluation

The effective income tax rate was 50.0% during the fourth quarter of 2017, higher than the 35.2% recorded in the third quarter of 2017, primarily as a result of $3.1 million of tax expense, which represents a reduction of $0.08 per diluted share, recognized to re-value the Company’s deferred tax assets and liabilities due to the passage of the Tax Cuts and Jobs Act (the “Act”) that the President signed into law on December 22, 2017. The Company’s re-valuation of its net deferred tax asset is an estimate and subject to change as further clarification of the Act becomes available.


Page 6
The Company estimates that its effective tax rate for 2018 will approximate 25% due to the new tax legislation.

Credit Quality

Non-performing loans were $0.5 million, or 0.01% of total loans, at December 31, 2017, a decrease from $0.8 million, or 0.01% of total loans, at September 30, 2017. The allowance for loan losses was 0.38% of total loans at December 31, 2017, consistent with the 0.37% at September 30, 2017. At December 31, 2017, non-performing assets represented 3.4% of the sum of tangible capital plus the allowance for loan losses (this non-Generally Accepted Accounting Principle (“GAAP”) statistic is otherwise known as the "Texas Ratio") (see table at the end of this news release).  A credit for loan losses of $1.0 million was recorded during the fourth quarter of 2017, compared to a loan loss provision of $0.02 million during the third quarter of 2017, mainly as a result of the reduction in real estate loan balances by $402.5 million, (primarily as a result of the Loan Securitization), offset by growth in C&I loans on a linked quarter basis.

Capital Management

The Company’s consolidated Tier 1 capital to average assets (“leverage ratio”), which was 8.61% at December 31, 2017, was in excess of all applicable regulatory requirements.

The bank’s regulatory capital ratios continued to be in excess of all applicable regulatory requirements, inclusive of conservation buffer amounts. At December 31, 2017, the bank’s leverage ratio was 9.32%, while Tier 1 capital to risk-weighted assets and Total capital to risk-weighted assets ratios were 12.73% and 13.13%, respectively.

Diluted earnings per common share exceeded the quarterly $0.14 cash dividend per share by 192.86% during the fourth quarter of 2017, equating to a 34.15% payout ratio.

Book value per share was $16.00 and tangible book value (common equity less goodwill divided by number of shares outstanding) per share was $14.51 at December 31, 2017.

Earnings Call Information

The Company will conduct a conference call at 5:30 p.m. (ET) on January 25, 2018, during which President and Chief Executive Officer, Kenneth J. Mahon, will discuss the Company’s fourth quarter and fiscal year performance, with a Q&A session to follow. Dial-in information for the live call is 1-888-317-6016. Upon dialing in, request to be joined into Dime Community Bancshares, Inc. call with the conference operator.

The conference call will be simultaneously webcast (listen only), and archived for a period of one year, at https://services.choruscall.com/links/dcom180125.html. Dial-in information for the replay is 1-877-344-7529 using access code #10115844. Replay will be available January 25, 2018 (6:30 p.m.) through February 1 (11:59 p.m.).


Page 7
ABOUT DIME COMMUNITY BANCSHARES, INC.

The Company had $6.40 billion in consolidated assets as of December 31, 2017, and is the parent company of the bank. The bank was founded in 1864, is headquartered in Brooklyn, New York, and currently has 28 branches located throughout Brooklyn, Queens, the Bronx, and Nassau County and Suffolk County, New York. More information on the Company and the bank can be found on Dime's website at www.dime.com.

This news release contains a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). These statements may be identified by use of words such as "anticipate," "believe," “continue,” "could," "estimate," "expect," "intend," “likely,” "may," "outlook," "plan," "potential," "predict," "project," "should," "will," "would" and similar terms and phrases, including references to assumptions.

Forward-looking statements are based upon various assumptions and analyses made by the Company in light of management's experience and its perception of historical trends, current conditions and expected future developments, as well as other factors it believes are appropriate under the circumstances. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (many of which are beyond the Company's control) that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. These factors include, without limitation, the following: the timing and occurrence or non-occurrence of events may be subject to circumstances beyond the Company’s control; there may be increases in competitive pressure among financial institutions or from non-financial institutions; changes in the interest rate environment may reduce interest margins; changes in deposit flows, loan demand or real estate values may adversely affect the business of the Company and/or the Bank; changes in tax laws or accounting principles, policies or guidelines may cause the Company’s financial condition to be perceived differently; changes in corporate and/or individual income tax laws may adversely affect the Company's financial condition or results of operations; general economic conditions, either nationally or locally in some or all areas in which the Company conducts business, or conditions in the securities markets or the banking industry may be less favorable than the Company currently anticipates; legislation or regulatory changes may adversely affect the Company’s business; technological changes may be more difficult or expensive than the Company anticipates; success or consummation of new business initiatives may be more difficult or expensive than the Company anticipates; or litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than the Company anticipates.

Contact: Avinash Reddy
Senior Vice President – Corporate Development and Treasurer
718-782-6200 extension 5909

 

Page 8

 
DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
 
UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
 
(Dollars in thousands except share amounts)
 
                   
   
December 31,
   
September 30,
   
December 31,
 
   
2017
   
2017
   
2016
 
ASSETS:
                 
Cash and due from banks
 
$
169,455
   
$
173,060
   
$
113,503
 
Investment securities held to maturity
   
-
     
-
     
5,378
 
Investment securities available for sale
   
4,006
     
4,034
     
3,895
 
Mortgage-backed securities available for sale
   
351,384
     
27,381
     
3,558
 
Trading securities
   
2,715
     
2,675
     
6,953
 
Real Estate Loans:
                       
One-to-four family and cooperative/condominium apartment
   
63,095
     
66,519
     
74,022
 
Multifamily residential and residential mixed use (1)(2)
   
4,381,180
     
4,787,291
     
4,600,526
 
Commercial real estate
   
1,010,603
     
1,003,642
     
958,459
 
Acquisition, development, and construction ("ADC")
   
9,189
     
9,115
     
-
 
Total real estate loans
   
5,464,067
     
5,866,567
     
5,633,007
 
Commercial and industrial ("C&I")
   
136,671
     
111,099
     
2,058
 
Other loans
   
1,379
     
1,092
     
1,357
 
Allowance for loan losses
   
(21,033
)
   
(22,007
)
   
(20,536
)
Total loans, net
   
5,581,084
     
5,956,751
     
5,615,886
 
Premises and fixed assets, net
   
24,326
     
22,968
     
18,405
 
Premises held for sale
   
-
     
1,379
     
1,379
 
Federal Home Loan Bank of New York capital stock
   
59,696
     
61,833
     
44,444
 
Bank Owned Life Insurance ("BOLI")
   
108,545
     
87,982
     
86,328
 
Goodwill
   
55,638
     
55,638
     
55,638
 
Other assets
   
46,611
     
50,728
     
50,063
 
TOTAL ASSETS
 
$
6,403,460
   
$
6,444,429
   
$
6,005,430
 
LIABILITIES AND STOCKHOLDERS' EQUITY:
                       
Deposits:
                       
Non-interest bearing checking
 
$
307,746
   
$
309,126
   
$
297,434
 
Interest Bearing Checking
   
124,283
     
111,612
     
106,525
 
Savings
   
362,092
     
360,559
     
366,921
 
Money Market
   
2,517,439
     
2,564,396
     
2,576,081
 
Sub-total
   
3,311,560
     
3,345,693
     
3,346,961
 
Certificates of deposit
   
1,091,887
     
1,025,500
     
1,048,465
 
Total Due to Depositors
   
4,403,447
     
4,371,193
     
4,395,426
 
Escrow and other deposits
   
82,168
     
117,765
     
103,001
 
Federal Home Loan Bank of New York advances
   
1,170,000
     
1,217,500
     
831,125
 
Subordinated Notes Payable, net
   
113,612
     
113,575
     
-
 
Trust Preferred Notes Payable
   
-
     
-
     
70,680
 
Other liabilities
   
35,666
     
38,359
     
39,330
 
TOTAL LIABILITIES
   
5,804,893
     
5,858,392
     
5,439,562
 
STOCKHOLDERS' EQUITY:
                       
Common stock ($0.01 par, 125,000,000 shares authorized, 53,624,453 shares, 53,617,919 shares and
                       
53,572,745 shares issued at December 31, 2017,  September  30, 2017 and December 31, 2016,
                       
respectively, and 37,419,070 shares, 37,422,884 shares and 37,455,853 shares outstanding
                       
at December 31, 2017, September 30, 2017, and December 31, 2016, respectively)
   
536
     
536
     
536
 
Additional paid-in capital
   
276,730
     
276,674
     
278,356
 
Retained earnings
   
535,130
     
524,237
     
503,539
 
Accumulated other comprehensive loss, net of deferred taxes
   
(3,641
)
   
(4,711
)
   
(5,939
)
Unearned Restricted Stock Award common stock
   
(2,894
)
   
(3,536
)
   
(1,932
)
Common stock held by the Benefit Maintenance Plan
   
(2,736
)
   
(2,736
)
   
(6,859
)
Treasury stock (16,205,383 shares,16,195,035 shares and 16,116,892 shares
                       
at December 31, 2017,  September 30, 2017 and December 31, 2016, respectively)
   
(204,558
)
   
(204,427
)
   
(201,833
)
TOTAL STOCKHOLDERS' EQUITY
   
598,567
     
586,037
     
565,868
 
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
 
$
6,403,460
   
$
6,444,429
   
$
6,005,430
 
 
(1)  
Includes loans underlying cooperatives. 
(2) While the loans within this category are often considered "commercial real estate" in nature, multifamily and loans underlying cooperatives are here reported separately from commercial real estate loans in order to emphasize the residential nature of the collateral underlying this significant component of the total loan portfolio.   
 

Page 9

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
 
UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS
 
(Dollars in thousands except share and per share amounts)
 
                               
   
For the Three Months Ended
   
For the Year Ended
 
   
December 31,
   
September 30,
   
December 31,
   
December 31,
   
December 31,
 
   
2017
   
2017
   
2016
   
2017
   
2016
 
Interest income:
                             
Loans secured by real estate
 
$
51,254
   
$
51,621
   
$
50,757
   
$
204,487
   
$
191,856
 
Commercial and industrial ("C&I")
   
1,514
     
1,043
     
21
     
3,072
     
41
 
Other loans
   
20
     
19
     
18
     
75
     
74
 
Mortgage-backed securities
   
487
     
27
     
14
     
542
     
20
 
Investment securities
   
115
     
108
     
313
     
577
     
880
 
Other short-term investments
   
1,204
     
811
     
667
     
3,343
     
2,756
 
Total interest  income
 
$
54,594
   
$
53,629
     
51,790
   
$
212,096
     
195,627
 
Interest expense:
                                       
Deposits  and escrow
   
9,967
     
9,408
     
9,348
     
38,391
     
32,374
 
Borrowed funds
   
5,895
     
5,763
     
4,544
     
20,975
     
19,767
 
Total interest expense
   
15,862
     
15,171
     
13,892
     
59,366
     
52,141
 
Net interest income
   
38,732
     
38,458
     
37,898
     
152,730
     
143,486
 
Provision (Credit) for loan losses
   
(1,000
)
   
23
     
529
     
520
     
2,118
 
Net interest income after  provision (credit) for loan losses
   
39,732
     
38,435
     
37,369
     
152,210
     
141,368
 
                                         
Non-interest income:
                                       
Service charges and other fees
   
1,167
     
948
     
863
     
3,828
     
3,429
 
Mortgage banking income, net
   
51
     
69
     
25
     
201
     
96
 
Gain (loss) on trading securities
   
(29
)
   
28
     
(25
)
   
133
     
123
 
Gain on sale of securities and other assets
   
-
     
2,607
     
-
     
2,607
     
-
 
Gain on sale of loans
   
1,475
     
-
     
-
     
1,475
     
-
 
Gain on the sale of premises held for sale
   
10,412
     
-
     
-
     
10,412
     
68,183
 
Income from BOLI
   
563
     
558
     
561
     
2,217
     
2,734
 
Other
   
67
     
73
     
393
     
641
     
1,369
 
Total non-interest income
   
13,706
     
4,283
     
1,817
     
21,514
     
75,934
 
Non-interest expense:
                                       
Salaries and employee benefits
   
9,777
     
8,593
     
8,722
     
37,354
     
34,854
 
ESOP and RRP benefit expense
   
339
     
353
     
12,112
     
1,369
     
14,651
 
Occupancy and equipment
   
3,581
     
3,492
     
3,111
     
14,201
     
12,103
 
Data processing costs
   
1,778
     
3,392
     
1,459
     
8,280
     
5,194
 
Marketing
   
1,375
     
1,467
     
844
     
5,774
     
4,121
 
Federal deposit insurance premiums
   
724
     
875
     
582
     
2,966
     
2,515
 
Loss from extinguishment of debt
   
-
     
1,272
     
-
     
1,272
     
-
 
Other
   
4,999
     
2,731
     
2,808
     
13,770
     
10,393
 
Total non-interest expense
   
22,573
     
22,175
     
29,638
     
84,986
     
83,831
 
     
-
                                 
Income before taxes
   
30,865
     
20,543
     
9,548
     
88,738
     
133,471
 
Income tax expense
   
15,442
     
7,230
     
8,816
     
36,856
     
60,957
 
                                         
Net Income
 
$
15,423
   
$
13,313
   
$
732
   
$
51,882
   
$
72,514
 
                                         
Earnings per Share ("EPS"):
                                       
Basic
 
$
0.41
   
$
0.36
   
$
0.02
   
$
1.38
   
$
1.97
 
Diluted
 
$
0.41
   
$
0.35
   
$
0.02
   
$
1.38
   
$
1.97
 
                                         
Average common shares outstanding for Diluted EPS
   
37,432,283
     
36,441,855
     
36,803,342
     
37,510,449
     
36,764,086
 


Page 10

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
 
UNAUDITED SELECTED FINANCIAL HIGHLIGHTS
 
(Dollars in thousands except per share amounts)
 
                               
   
At or For the Three Months Ended
   
At or For the Twelve Months Ended
 
   
December 31,
   
September 30,
   
December 31,
   
December 31,
   
December 31,
 
   
2017
   
2017
   
2016
   
2017
   
2016
 
Per Share Data:
                             
Reported EPS (Diluted)
 
$
0.41
   
$
0.35
   
$
0.02
   
$
1.38
   
$
1.97
 
Cash dividends paid per share
   
0.14
     
0.14
     
0.14
     
0.56
     
0.56
 
Book value per share
   
16.00
     
15.66
     
15.11
     
16.00
     
15.11
 
Tangible book value per share (1)
   
14.51
     
14.17
     
13.62
     
14.51
     
13.62
 
Dividend payout ratio
   
34.15
%
   
40.00
%
   
700.00
%
   
40.58
%
   
28.43
%
                                         
Performance Ratios (Based upon Reported Net Income):
                                       
Return on average assets
   
0.96
%
   
0.85
%
   
0.05
%
   
0.84
%
   
1.31
%
Return on average common equity
   
10.41
%
   
9.14
%
   
0.52
%
   
8.94
%
   
13.40
%
Return on average tangible common equity (1)
   
11.49
%
   
10.11
%
   
0.58
%
   
9.89
%
   
14.93
%
Net interest spread
   
2.33
%
   
2.38
%
   
2.51
%
   
2.38
%
   
2.52
%
Net interest margin
   
2.50
%
   
2.53
%
   
2.67
%
   
2.54
%
   
2.68
%
Average interest-earning assets to average interest-bearing liabilities
   
117.07
%
   
115.62
%
   
116.78
%
   
116.55
%
   
116.85
%
Non-interest expense to average assets
   
1.41
%
   
1.41
%
   
2.01
%
   
1.37
%
   
1.51
%
Efficiency ratio
   
55.63
%
   
55.29
%
   
74.58
%
   
53.24
%
   
55.48
%
Loan-to-deposit ratio at end of period
   
127.22
%
   
136.78
%
   
128.33
%
   
127.22
%
   
128.33
%
Effective tax rate
   
50.03
%
   
35.19
%
   
92.33
%
   
41.53
%
   
45.67
%
 
Average Balance Data:
                                       
Average assets
 
$
6,400,719
   
$
6,290,568
   
$
5,885,051
   
$
6,211,645
   
$
5,554,768
 
Average interest-earning assets
   
6,203,511
     
6,084,253
     
5,686,894
     
6,007,562
     
5,351,010
 
Average loans
   
5,949,955
     
5,930,165
     
5,562,394
     
5,843,409
     
5,212,729
 
Average deposits
   
4,351,863
     
4,355,770
     
4,281,627
     
4,417,287
     
3,799,437
 
Average common equity
   
592,762
     
582,545
     
560,434
     
580,430
     
541,247
 
Average tangible common equity (1)
   
537,124
     
526,907
     
504,796
     
524,792
     
485,610
 
                                         
Asset Quality Summary:
                                       
Non-performing loans (excluding loans held for sale)
 
$
533
   
$
806
   
$
4,237
   
$
533
   
$
4,237
 
Non-performing assets (2)
   
533
     
806
     
5,507
     
533
     
5,507
 
Net charge-offs (recoveries)
   
(26
)
   
1
     
43
     
23
     
97
 
Non-performing loans/ Total loans
   
0.01
%
   
0.01
%
   
0.08
%
   
0.01
%
   
0.08
%
Non-performing assets/ Total assets
   
0.01
%
   
0.01
%
   
0.09
%
   
0.01
%
   
0.09
%
Allowance for loan loss/ Total loans
   
0.38
%
   
0.37
%
   
0.36
%
   
0.38
%
   
0.36
%
Allowance for loan loss/ Non-performing loans
   
3946.15
%
   
2730.40
%
   
484.68
%
   
3946.15
%
   
484.68
%
Loans delinquent 30 to 89 days at period end
 
$
37
   
$
84
   
$
1,920
   
$
37
   
$
1,920
 
                                         
Capital Ratios - Consolidated:
                                       
Tangible common equity to tangible assets (1)
   
8.55
%
   
8.30
%
   
8.58
%
   
8.55
%
   
8.58
%
Tier 1 common equity ratio
   
11.74
     
10.65
     
11.44
     
11.74
     
11.44
 
Tier 1 risk-based capital ratio
   
11.74
     
10.65
     
12.95
     
11.74
     
12.95
 
Total risk-based capital ratio
   
14.61
     
13.38
     
13.41
     
14.61
     
13.41
 
Tier 1 leverage ratio
   
8.61
     
8.58
     
10.03
     
8.61
     
10.03
 
                                         
Capital Ratios - Bank Only:
                                       
Tier 1 common equity ratio
   
12.73
%
   
11.47
%
   
11.60
%
   
12.73
%
   
11.60
%
Tier 1 risk-based capital ratio
   
12.73
     
11.47
     
11.60
     
12.73
     
11.60
 
Total risk-based capital ratio
   
13.13
     
11.91
     
12.05
     
13.13
     
12.05
 
Tier 1 leverage ratio
   
9.32
     
9.23
     
8.95
     
9.32
     
8.95
 
 
(1)  
See "Non-GAAP Reconciliation" table for reconciliation of tangible common equity and tangible assets.
(2) Amount comprised of total non-accrual loans, other real estate owned, and the recorded balance of pooled bank trust preferred security investments that were deemed to meet the criteria of a non-performing asset.
 


Page 11

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
 
UNAUDITED AVERAGE BALANCES AND NET INTEREST INCOME
 
(Dollars in thousands)
 
                                                       
   
For the Three Months Ended
 
    December 31, 2017        September 30, 2017        December 31, 2016  
               
Average
               
Average
               
Average
 
   
Average
         
Yield/
   
Average
         
Yield/
   
Average
         
Yield/
 
   
Balance
   
Interest
   
Cost
   
Balance
   
Interest
   
Cost
   
Balance
   
Interest
   
Cost
 
Assets:
                                                     
Interest-earning assets:
                                                     
Real estate loans
 
$
5,823,794
   
$
51,254
     
3.52
%
 
$
5,842,921
   
$
51,621
     
3.53
%
 
$
5,560,078
   
$
50,757
     
3.65
%
Commercial and industrial loans
   
125,095
     
1,514
     
4.84
     
86,014
     
1,043
     
4.85
     
1,275
     
21
     
6.59
 
Other loans
   
1,066
     
20
     
7.50
     
1,230
     
19
     
6.18
     
1,041
     
18
     
6.92
 
Mortgage-backed securities
   
84,942
     
487
     
2.29
     
5,631
     
27
     
1.92
     
3,593
     
14
     
1.56
 
Investment securities
   
6,500
     
115
     
7.08
     
9,304
     
108
     
4.64
     
16,821
     
313
     
7.44
 
Other short-term investments
   
162,114
     
1,204
     
2.97
     
139,153
     
811
     
2.33
     
104,086
     
667
     
2.56
 
Total interest-earning assets
   
6,203,511
     
54,594
     
3.52
%
   
6,084,253
   
$
53,629
     
3.53
%
   
5,686,894
   
$
51,790
     
3.64
%
Non-interest-earning assets
   
197,208
                     
206,315
                     
198,157
                 
Total assets
 
$
6,400,719
                   
$
6,290,568
                   
$
5,885,051
                 
                                                                         
Liabilities and Stockholders' Equity:
                                                                       
Interest-bearing liabilities:
                                                                       
Interest-bearing checking accounts
 
$
117,468
   
$
56
     
0.19
%
 
$
110,384
   
$
58
     
0.21
%
 
$
100,134
   
$
58
     
0.23
%
Money market accounts
   
2,491,423
     
5,986
     
0.95
     
2,643,537
     
5,961
     
0.89
     
2,476,810
     
5,348
     
0.86
 
Savings accounts
   
358,859
     
51
     
0.06
     
362,423
     
45
     
0.05
     
365,350
     
45
     
0.05
 
Certificates of deposit
   
1,077,376
     
3,874
     
1.43
     
932,208
     
3,344
     
1.42
     
1,064,241
     
3,897
     
1.46
 
Total interest-bearing deposits
   
4,045,126
     
9,967
     
0.98
     
4,048,552
     
9,408
     
0.92
     
4,006,535
     
9,348
     
0.93
 
Borrowed Funds
   
1,253,860
     
5,895
     
1.87
     
1,213,786
     
5,763
     
1.88
     
863,131
     
4,544
     
2.09
 
Total interest-bearing liabilities
   
5,298,986
     
15,862
     
1.19
%
   
5,262,338
   
$
15,171
     
1.14
%
   
4,869,666
   
$
13,892
     
1.13
%
Non-interest-bearing checking accounts
   
306,737
                     
307,218
                     
275,092
                 
Other non-interest-bearing liabilities
   
202,234
                     
138,467
                     
179,859
                 
Total liabilities
   
5,807,957
                     
5,708,023
                     
5,324,617
                 
Stockholders' equity
   
592,762
                     
582,545
                     
560,434
                 
Total liabilities and stockholders' equity
 
$
6,400,719
                   
$
6,290,568
                   
$
5,885,051
                 
Net interest income
         
$
38,732
                   
$
38,458
                   
$
37,898
         
Net interest spread
                   
2.33
%
                   
2.38
%
                   
2.51
%
Net interest-earning assets
 
$
904,525
                   
$
821,915
                   
$
817,228
                 
Net interest margin
                   
2.50
%
                   
2.53
%
                   
2.67
%
Ratio of interest-earning assets to interest-bearing liabilities
           
117.07
%
                   
115.62
%
                   
116.78
%
       
                                                                         
Deposits (including non-interest bearing checking accounts)
 
$
4,351,863
   
$
9,967
     
0.91
%
 
$
4,355,770
     
9,408
     
0.86
%
 
$
4,281,627
   
$
9,348
     
0.87
%
 
SUPPLEMENTAL INFORMATION
                                                                 
Loan prepayment and late payment fee income
   
$
1,250
                   
$
1,371
                   
$
2,669
         
Real estate loans (excluding net prepayment and late payment fee income)
             
3.43
%
                   
3.44
%
                   
3.46
%
Interest-earning assets (excluding net prepayment and late payment fee income)
             
3.44
%
                   
3.44
%
                   
3.46
%
Net Interest income (excluding net prepayment and late payment fee income)
   
$
37,482
                   
$
37,087
                   
$
35,229
         
Net Interest margin (excluding net prepayment and late payment fee income)
             
2.42
%
                   
2.44
%
                   
2.48
%


Page 12

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
 
UNAUDITED SCHEDULE OF LOAN COMPOSITION AND WEIGHTED AVERAGE RATES ("WAR") (1)
 
(Dollars in thousands)
 
       
                                     
   
At December 31, 2017
   
At September 30, 2017
   
At December 31, 2016
 
   
Balance
   
WAR
   
Balance
   
WAR
   
Balance
   
WAR
 
Loan balances at period end:
                                   
One-to-four family residential, including condominium and cooperative apartment
 
$
63,095
     
4.33
%
 
$
66,519
     
4.31
%
 
$
74,022
     
4.28
%
Multifamily residential and residential mixed use (2)(3)
   
4,381,180
     
3.40
     
4,787,291
     
3.39
     
4,600,526
     
3.37
 
Commercial and commercial mixed use real estate
   
1,010,603
     
3.95
     
1,003,642
     
3.92
     
958,459
     
3.91
 
Acquisition, development, and construction ("ADC")
   
9,189
     
5.59
     
9,115
     
5.34
     
-
     
-
 
Total real estate loans
   
5,464,067
     
3.51
     
5,866,567
     
3.50
     
5,633,007
     
3.48
 
                                                 
Commercial and industrial ("C&I")
   $
136,671
     
4.82
%
 
$
111,099
     
4.68
%
 
$
2,058
     
6.60
%
 
(1)
Weighted average rate is calculated by aggregating interest based on the current loan rate from each loan in the category, divided by the total amount of loans in the category. 
(2)
Includes loans underlying cooperatives. 
(3)
While the loans within this category are often considered "commercial real estate" in nature, multifamily and loans underlying cooperatives are here reported separately
from commercial real estate loans in order to emphasize the residential nature of the collateral underlying this significant component of the total loan portfolio.


Page 13

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
 
UNAUDITED SCHEDULE OF NON-PERFORMING ASSETS AND TROUBLED DEBT RESTRUCTURINGS ("TDRs")
 
(Dollars in thousands)
 
       
       
   
At December 31,
   
At September 30,
   
At December 31,
 
Non-Performing Loans
 
2017
   
2017
   
2016
 
One-to-four family residential, including condominium and cooperative apartment
 
$
436
   
$
708
   
$
1,012
 
Multifamily residential and residential mixed use (1)(2)
   
-
     
-
     
2,675
 
Commercial mixed use real estate (2)
   
93
     
96
     
549
 
Other
   
4
     
2
     
1
 
Total Non-Performing Loans (3)
 
$
533
   
$
806
   
$
4,237
 
Other Non-Performing Assets
                       
Pooled bank trust preferred securities (4)
   
-
     
-
     
1,270
 
Total Non-Performing Assets
 
$
533
   
$
806
   
$
5,507
 
                         
Performing Loans
                       
One- to four-family and cooperative/condominium apartment
   
22
     
395
     
407
 
Multifamily residential and mixed use residential real estate (1)(2)
   
619
     
629
     
658
 
Mixed use commercial real estate (2)
   
4,174
     
4,197
     
4,261
 
Commercial real estate
   
3,296
     
3,313
     
3,363
 
Total Performing TDRs
 
$
8,111
   
$
8,534
   
$
8,689
 
 
(1)
Includes loans underlying cooperatives.
(2)
While the loans within this category are often considered "commercial real estate" in nature, multifamily and loans underlying cooperatives are here reported separately from commercial real estate loans in order to emphasize the residential nature of the collateral underlying this significant component of the total loan portfolio.
(3)
There were no non-accruing TDRs for the periods indicated.
(4)
As of the date presented, certain pooled bank trust preferred securities were deemed to meet the criteria of a non-performing asset.
 
PROBLEM ASSETS AS A PERCENTAGE OF TANGIBLE CAPITAL AND RESERVES (TEXAS RATIO)
 
(Dollars in thousands)
 
                   
   
At December 31,
   
At September 30,
   
At December 31,
 
   
2017
   
2017
   
2016
 
Total Non-Performing Assets
 
$
533
   
$
806
   
$
5,507
 
Loans 90 days or more past due on accrual status (5)
   
19,935
     
3,466
     
3,070
 
TOTAL PROBLEM ASSETS
 
$
20,468
   
$
4,272
   
$
8,577
 
                         
Tangible common equity - Bank only (6)
 
$
587,622
   
$
570,286
   
$
515,511
 
Allowance for loan losses and reserves for contingent liabilities
   
21,058
     
22,032
     
20,561
 
TANGIBLE COMMON EQUITY PLUS RESERVES
 
$
608,680
   
$
592,318
   
$
536,072
 
                         
TEXAS RATIO (PROBLEM ASSETS AS A PERCENTAGE OF
                       
TANGIBLE COMMON EQUITY AND RESERVES)
   
3.4
%
   
0.7
%
   
1.6
%
 
(5)
These loans were, as of the respective dates indicated, expected to be either satisfied, made current or re-financed within the following twelve months, and were not expected to result in any loss of contractual principal or interest. These loans are not included in non-performing loans.
(6)
See "Non-GAAP Reconciliation" table for reconciliation of tangible common equity and tangible assets.


Page 14

DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
 
NON-GAAP RECONCILIATION
 
(Dollars in thousands except per share amounts)
 
                               
   
At or For the Three Months Ended
   
At or For the Twelve Months Ended
 
   
December 31,
   
September 30,
   
December 31,
   
December 31,
   
December 31,
 
   
2017
   
2017
   
2016
   
2017
   
2016
 
Reconciliation of Reported and Adjusted ("non-GAAP") Net Income:
                             
Reported net income
 
$
15,423
   
$
13,313
   
$
732
   
$
51,882
   
$
72,514
 
Adjustments to Net Income (1):
                                       
Add: After-tax expense associated with the prepayment of the ESOP Share Acquisition Loan (2)
   
-
     
-
     
11,319
     
-
     
11,319
 
Add: Loss from extinguishment of debt
   
-
     
698
     
-
     
698
     
-
 
Add: De-conversion costs
   
-
     
946
     
-
     
946
     
-
 
Less: Gain on sale of securities
   
-
     
(1,430
)
   
-
     
(1,430
)
   
-
 
Less: After tax gain on the sale of real estate
   
(5,724
)
   
-
     
-
     
(5,724
)
   
(37,483
)
Tax adjustment
   
3,135
     
(985
)
   
-
     
2,150
     
-
 
Adjusted ("non-GAAP") net income
 
$
12,834
   
$
12,542
   
$
12,051
   
$
48,522
   
$
46,350
 
                                         
Adjusted Ratios (Based upon "non-GAAP Net Income" as calculated above):
                                       
Adjusted EPS (Diluted)
 
$
0.34
   
$
0.33
   
$
0.02
   
$
1.29
   
$
1.26
 
Adjusted return on average assets
   
0.80
%
   
0.80
%
   
0.82
%
   
0.78
%
   
0.83
%
Adjusted return on average common equity
   
8.66
%
   
8.61
%
   
8.60
%
   
8.36
%
   
8.56
%
Adjusted return on average tangible common equity
   
9.56
%
   
9.52
%
   
9.55
%
   
9.25
%
   
9.54
%
Adjusted net interest spread
   
2.33
%
   
2.38
%
   
2.51
%
   
2.38
%
   
2.52
%
Adjusted net interest margin
   
2.50
%
   
2.53
%
   
2.67
%
   
2.54
%
   
2.68
%
Adjusted non-interest expense to average assets
   
1.41
%
   
1.22
%
   
1.25
%
   
1.32
%
   
1.31
%
Adjusted efficiency ratio
   
55.63
%
   
47.82
%
   
46.10
%
   
51.37
%
   
47.98
%
                                         
Reconciliation of Tangible Assets:
                                       
Total assets
 
$
6,403,460
   
$
6,444,429
   
$
6,005,430
   
$
6,403,460
   
$
6,005,430
 
Less:
                                       
Goodwill
   
55,638
     
55,638
     
55,638
     
55,638
     
55,638
 
Tangible assets
   $
6,347,822
     $
6,388,791
     $
5,949,792
     $
6,347,822
     $
5,949,792
 
                                         
Reconciliation of Tangible Common Equity - Consolidated:
                                       
Total common equity
 
$
598,567
   
$
586,037
   
$
565,868
   
$
598,567
   
$
565,868
 
Less:
                                       
Goodwill
   
55,638
     
55,638
     
55,638
     
55,638
     
55,638
 
Tangible common equity
   $
542,929
     $
530,399
   
510,230
     $
542,929
     $
510,230
 
                                         
Reconciliation of Tangible Common Equity - Bank only:
                                       
Total common equity
 
$
643,260
   
$
625,924
   
$
571,150
   
$
643,260
   
$
571,150
 
Less:
                                       
Goodwill
   
55,638
     
55,638
     
55,638
     
55,638
     
55,638
 
Tangible common equity
   $
587,622
     $
570,286
     $
515,512
     $
587,622
     $
515,512
 
 
(1)  
Adjustments to net income are taxed at the company's statutory tax rate of approximately 45%, unless otherwise noted.
(2) The expense for the prepayment of the ESOP Share Acquisition Loan is a non-taxable transaction
 
 

EX-99.2 3 ex99_2.htm EXHIBIT 99.2

Exhibit 99.2

Dime Community Bancshares Declares Quarterly Cash Dividend

Brooklyn, NY– January 25, 2018 – Dime Community Bancshares, Inc. (Nasdaq: DCOM) (the “Company”) announced that its Board of Directors has declared a quarterly cash dividend of $0.14 per share, payable on February 13, 2018, to all stockholders of record as of February 6, 2018.  This dividend is the 83rd consecutive quarterly cash dividend paid by the Company.

ABOUT DIME COMMUNITY BANCSHARES, INC.
The Company had $6.44 billion in consolidated assets as of September 30, 2017, and is the parent company of Dime Community Bank (the “bank”). The bank was founded in 1864, is headquartered in Brooklyn, New York, and currently has 28 branches located throughout Brooklyn, Queens, the Bronx and Nassau and Suffolk County, New York. More information on the Company and the bank can be found on Dime's website at www.dime.com.

Contact: Leslie Veluswamy, Senior Vice President and Director of Financial Reporting, 718-782-6200, extension 5204.
 


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