Peer Analysis

Peer Analysis
Performance Ratios (%) DCOM Peer Median Peer Average
ROAA 1.31 0.92 0.99
ROAE 13.40 7.75 8.57
Net Interest Margin 2.68 2.99 3.00
Efficiency Ratio 47.96 59.83 58.19
Loans / Deposits 128.23 102.04 105.00
Asset Quality Ratios (%)
NPAs / Assets 0.24 0.59 0.62
NCOs / Avg Loans 0.00 0.05 0.10
Reserves / Loans 0.36 0.85 0.81
Reserves / NPAs 144.66 85.00 135.53
Capital Ratios (%)
Tier 1 Capital NA 12.56 15.74
Tangible Equity / Tangible Assets 8.58 8.88 10.65
Total Equity / Total Assets 9.42 12.15 12.46
Market Ratios
Price / Earnings (x) 11.05 19.78 24.04
Price / Book (%) 144.13 146.69 155.96
Dividend Yield (%) 2.57 2.16 2.12
Data for trailing four quarters

Dime Community Bancshares, Inc.'s peer group consists of the following: Astoria Financial Corporation (AF), First Niagara Financial Group, Inc. (FNFG), Flushing Financial Corporation (FFIC), Investors Bancorp, Inc. (ISBC), Kearny Financial Corp. (KRNY), New York Community Bancorp, Inc. (NYCB), OceanFirst Financial Corp. (OCFC), Oritani Financial Corp. (ORIT), Provident Financial Services, Inc. (PFS), Signature Bank (SBNY), Sterling Bancorp (STL), Sun Bancorp, Inc. (SNBC), TrustCo Bank Corp NY (TRST), Valley National Bancorp (VLY)

Dime Community Bancshares, Inc.'s financial data is as of 12/31/2016.

Peer financial data is as of 12/31/2016 except for these companies:

First Niagara Financial Group, Inc.'s financial data is as of 6/30/2016.