PackageTrendsPeer
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Dime Savings Bank of Williamsburg, The

Brooklyn, NY · Cert 16012

FDIC · 28 branches

Q4 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2020, the quarter ended December 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dime Savings Bank of Williamsburg, The

Brooklyn, NY · Cert 16012

FDIC · 28 branches

Q4 2020

$6.8BAssets
$5.6BLoans
$4.6BDeposits
$703.1MEquity
Loan mix
84%RE $3.4B16%C&I $0.6B0%Consumer $0.0BQ4 2019Q4 2020
Deposit mix
81%Interest-bearing $3.8B19%Noninterest $0.9BQ4 2019Q4 2020

NIM

3.54%Q4 ’183.80%Q4 ’193.61%Q4 ’20+1%+16%

Non-interest income vs. expense

1.37%Q4 ’181.50%Q4 ’191.79%Q4 ’20+7%+9%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2020 SOD (annual) · 0.2% share · #41 of 180 inst. · $4.6B of $2319.6B

3.7% Kings
1.2% Nassau
1.3% Queens
0.5% Bronx

Executive Summary

  • Earnings: ROA of 0.71%, up 9 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.32% of loans (+8 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 10.16%, up 1 bps from a year ago.
  • Funding: loans stand at 121.26% of deposits as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

0.71%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+38 bps YoY

Efficiency Ratio (YTD, annualized)

56.63%-79 bps YoY

Tier 1 Leverage Ratio

10.16%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.62%0.63%0.75%0.84%0.71%+9 bps
Return on Equity5.91%5.91%7.04%8.00%6.80%+88 bps
Net Interest Margin2.46%2.64%2.73%2.75%2.84%+38 bps
Efficiency Ratio57.43%55.35%57.03%53.62%56.63%-79 bps
Non-Interest Burden1.32%1.32%1.42%1.32%1.45%+12 bps
Growth
Asset Growth (YoY)0.55%-1.97%-0.48%3.03%6.73%+618 bps
Loan Growth (YoY)-1.00%-5.42%-1.61%1.74%5.37%+637 bps
Deposit Growth (YoY)-1.73%-3.25%1.56%1.39%5.87%+760 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.37%0.35%0.26%0.32%+8 bps
Net Charge-Offs / Loans0.20%0.00%0.00%0.00%0.23%+3 bps
Allowance / Loans0.53%0.70%0.78%0.87%0.74%+20 bps
Allowance Coverage of NPLs2.3x1.9x2.2x3.4x2.3x+0.1x
Capital
Tier 1 Leverage Ratio10.15%9.93%9.98%9.97%10.16%+1 bps
Total Risk-Based Capital13.44%13.46%13.99%13.87%13.30%-14 bps
Equity / Assets10.70%10.62%10.46%10.38%10.38%-33 bps
Liquidity & Funding
Loans / Deposits121.84%117.43%117.41%121.08%121.26%-57 bps
Liquid Assets / Assets2.26%3.59%1.53%2.01%3.36%+110 bps
CRE / Total Capitaln/an/an/an/an/an/an/a