Dime Community Bancshares, Inc. · NYSE:DCOM

Dime Community Bancshares — Investor Presentation (December 2001)

26 slides from Dime Community Bancshares's investor presentation, Dec 7, 2001

  1. Slide 1: Earnings Guidance Meeting

    Farnings Guidance Meeting [ ' Welcome! Dime Community Bancshares, Inc. ‘Nasdag: DCOM

  2. Slide 2: Past Year's Highlights

    Past Year’s Highlights + July 16%. DCOM named one of the most profitable mid-sized banks by U.S. Banker + 1 and 3-year category for ROE and EPS growth + July 19". DCOM announces 50% Stock Dividend + August 22". DCOM added to S&P 600 + October 18": The Company announces 18% cash dividend increase ‘Co

  3. Slide 3: Corporate Financial Goals

    Corporate Financial Goals OW Long Term Asset Growth of 4 — 8% > Ne Term EPS Growth Rate of 10 + % ¥ + Tangible Equity Range of 5% — 7% /J + Maintain Low Overhead Expenses Long Term increase in Return on Assets * Maintain Superior Credit Quality Dime Community Bancshares, Inc. ‘Nasdag: DCOM

  4. Slide 4: Balance Sheet

    Batance Sheet Assets Deposits moans

  5. Slide 5: Underlying Interest Rate Assumptions

    Underlying Interest Rate Assumptions e2s% muibemty Sa

  6. Slide 6: Fiscal 2002 EPS Guidance $2.17 - $2.22

    $2.40 ; 4 Fiscal 2002 EPS Guidance $2.17 - $2.22 $2.20 4610 $2.00 $1.80 $1.60 $1.40 $1.20 $1.00 2000 2004 20028

  7. Slide 7: EPS by quarter

    $0.58 -0.60 $0.57 -059 EPS by quarter SUSI $8

  8. Slide 8: Net Interest Margin rising through end of fiscal year

    Net Interest Margin rising through end of fiscatyear.... Cnet interest margin December 2000 2.75% December 2001e 3.14% June 2002e 3.30%

  9. Slide 9: Rollover of Short Term Funds

    Rollover of Short Term Funds

  10. Slide 10: Net Interest Margin tracks Deposit Funding Ratio

    Net Interest Margin tracks Deposit Funding Ratio

  11. Slide 11: Return on Average Assets

    Return on Average Assets

  12. Slide 12: Low Overhead

    Low Overhead

  13. Slide 13: Leading to slower asset growth

    $500 $450 $400 $350 $300 $250 $200 $150 $100 $50 Leading to slower asset growth... Biloan originations Det loan growth Masset growth Fiseal ‘00 Fiseal ‘01 Fizeal ‘02

  14. Slide 14: ...and higher equity ratios

    ..and higher equity ratios Ebook equity ratio. Btangible equity ratio, June 2000 June 2004 dune 20026

  15. Slide 15: Return on Equity

    Return on Equity Return on Byuity Cash Return on TE 20.00% 45.00% 10.00% Saks |] are = =a =

  16. Slide 16: Loan Portfolio: Property Types

    Loan Portfolio Property Types

  17. Slide 17: Loan Portfolio: By Location

    Loan Portfolio By Location

  18. Slide 18: New York City's Housing Inventory

    New York City’s Housing Inventory Prodominanily RENTER Occupied Owners 32%

  19. Slide 19: Allowance for Loan Losses

    Allowance for Loan Losses

  20. Slide 20: Nonperforming Assets and NCO's

    Nonperforming Assets and NCO’s |

  21. Slide 21: Retail Bank

    Retail Bank 6; boat M Grow Core Customer ‘Dime Community Bancshares, Inc. ‘Nasdaq: DCOM

  22. Slide 22: Retail Bank

    Retail Bank Total Deposits up 17% last year aa Bis00. Dime Community Bancshares, Inc. ‘Nasdag: DCOM

  23. Slide 23: Retail Bank

    Retail Bank “Same-Store” Branch Growth $79,357 SBABES WN yy \ $65,634 967,790 Jum99 Jun00 = Jum 01 Sep O1 Dime Community Bancshares, Inc. ‘Nasdag: DCOM

  24. Slide 24: Retail Bank

    ii ae Retail Bank in-Market Household Growth up 8% 67,210 Jun00 Jun 01 Dime Community Bancshares, Inc. ‘Nasdag: DCOM

  25. Slide 25: This Year's Goals

    This Year’s Goals 4 SY * Maintain Deposit Growth ee a\ * De Novo Branching « Internet Banking « Home Equity Lending ¢ Small Business Checking ‘Dime Community Bancshares, Inc. ‘Nasdaq: DCOM

  26. Slide 26: Thank you.

    Thank you. Dime Community Bancshares, Inc. ‘Nasdaq: DCOM

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