2015 annual report

COVER
2015 ANNUAL REPORT
OUR MISSION
We will remain a strong,
mutual financial institution
where valued employees
provide personalized service
that exceeds customer and
community expectations.
2
DIME BANK 2015 ANNUAL REPORT
PRESIDENT’S LETTER
Dear friends and neighbors,
The past year has been an important year for Dime Bank. 2015 was
defined by impactful decisions and strategic initiatives that will shape
the bank’s operations in the short term and far into the future.
We went beyond our competition to introduce innovative checking
products that provide new and existing Dime Bank customers with
distinct value that has not previously existed in our market.
We invested in core technology and infrastructure that will empower
our employees with efficiency beyond that which was previously
possible. We finished preliminary planning and design for the
opening of a 12th branch that will fulfill the community banking
needs of customers previously beyond our physical footprint. For
these reasons, the theme of the 2015 Dime Bank Annual Report is
Banking Beyond Limits.
Overall it has been a positive year and we have made significant
progress. Our financial performance finished very close to our
expectations. We saw a healthy growth in deposits and loans, and
grew in assets to over $785 million. This is certainly a testament
to our stability and reliability in the continued low-interest rate
environment that has been challenging for both savings-focused
consumers and financial institutions. As the country continues its
gradual economic uptick, we must bear in mind that trends in
the southeastern New England economy are different from many
national trends. To successfully navigate in this economy we must
continue to truly differentiate ourselves from competitors while
embracing growth and diversification strategies that ensure our
long-term value as a local community bank.
During 2015, the unveiling of our new DimePerks checking account
products introduced a unique value proposition into our local
market. We picked up the phone and hit the streets to partner with
hundreds of local merchants and created an unmatched portfolio
of local discounts for DimePerks customers. We took the time to
consider what value-added services matter to our customers – things
like identity theft protection, roadside assistance and cell phone
protection – and we delivered them so that we can deepen our
relationship with our customers – that’s banking beyond limits.
We also completed a 9-month evaluation of the bank’s core
technology platform that will result in our conversion in 2017 to
a new, more advanced technological infrastructure that provides
enhanced customer-facing technology while creating back-end
efficiencies for our employees. Our continual evaluation of our
customers’ experience enables our ability to strategically evolve and
improve the way we provide banking services.
DIME BANK 2015 ANNUAL REPORT
In 2015, we also laid the groundwork to open a 12th Dime Bank
branch in Colchester, CT, that will be the embodiment of our
commitment to the modern banking experience. The branch is slated
to open in the spring of 2016. It will be staffed by a team of universal
bankers whose ability to perform a broad and diverse spectrum
of transactions means better service in less time. At this branch,
customers will be able to literally take banking into their own hands
with our interactive banking tablets and displays, and free in-branch
Wi-Fi will let customers stay connected.
Our Colchester branch will be a brick and mortar symbol of the
strong relationships Dime Bank already holds in the Colchester
community. Many of our existing loan customers in the Colchester
market are encouraged that we will be offering a full service branch
that is conveniently located near them. And as we are committed
to meeting the evolving needs of our customers, our roots as a
community-first mutual bank is always the bedrock upon which
our bank is built.
I often mention Dime’s continued commitment and dedication to
supporting our communities and this past year was yet another
example of that focus. Our employee “Blue Crew” volunteers as well
as the Dime Bank Foundation completed yet another year of stellar
community service and charitable giving. The positive impact that we
have on our communities spanning from East Lyme and New London
to Norwich and Westerly could not be possible without the steadfast
generosity of our employees and directors.
In closing, I want to extend my sincere thanks to Dime Bank’s
employees, dedicated directors, corporators and our highly valued
customers for the trust and confidence they place in us. Thank you
for another great year of Banking Beyond Limits.
With pride and best regards,
Nicholas Caplanson,
President &
Chief Executive Officer
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BUSINESS
BEYOND
LIMITS
“If somebody came
to me and asked
if I’d recommend
doing business
with Dime, I’d say,
‘You bet your life
I would.’”
$83.2
INCREASED LENDING
MEANS MORE RESOURCES
FOR BUSINESSES.
$59.2
2011
2012
2013
2014
2015
Commercial Loan Originations (in millions)
4
DIME BANK 2015 ANNUAL REPORT
Made from the right stuff –
United Builders Supply
If you want to build something right, you need the right tools.
Whether it’s a house, a company, or a community, United
Builders Supply in Westerly, RI, has had the right tools for
over 70 years. The Slosberg family founded UBS in 1941, and
it’s been serving homeowners and contractors with quality
products and excellent service ever since.
More than a decade ago, UBS set out to find a bank that really
understood its commercial needs. It makes sense that they
found that understanding at their local community Dime Bank.
“Once we started working with Dime our banking fees went
way down,” said UBS Internal Accountant Mark Maleno.
“Dime makes the commercial loan process easy for us wherever
possible. The teller staff is phenomenal. If there’s something
happening with our account that we need to know about,
Dime tells us ahead of time so that we can adjust.
“It’s the best bank in town
and the competition isn’t
even close.”
Since setting up shop in Westerly, UBS has added locations
in Waterford and Niantic, CT, and Richmond, RI. Through
its continued growth, UBS has maintained its culture as
a family business.
“The people who work here are like a family,” said UBS’s 1st
Vice President and General Manager Jackie Nix, who joined UBS
in 1979 as an office administrator. “With hard work, you can be
whatever you want to be here.”
$372
MILLION
DIME BANK 2015 ANNUAL REPORT
“We like to promote from within,” said Jared Beaulieu, UBS
Vice President CFO/Controller, who started at UBS in 1975 as a
lumberyard worker. “You’re not going to find a place with as
much product knowledge on the other side of the counter as
we have here at UBS.”
Total
Commercial
Loans
Originated
Last 5 Years
“Our relationships are with the communities we service, and we
always work with the communities where we’re doing business.
UBS also supports many charitable projects including the Ocean
Community YMCA in RI and the Waterford County School in
CT,” Jared said.
“We’ve had a very successful relationship with Dime Bank, and
if somebody came to me and asked if I’d recommend doing
business with Dime, I’d say, ‘You bet your life,’ and I would send
them right down to Beth (D’Amato) and Kevin (Owren).”
5
BENEFITS
BEYOND
LIMITS
Dime Bank reached
out to customers and
partnered with hundreds
of local businesses in
the creation of our
unique product offering,
and in 2015 the project
culminated in the roll
out of the DimePerks
checking suite.
Online banking, local discounts and special offers with all the perks
6
DIME BANK 2015 ANNUAL REPORT
DimePerks Providing everyday value
For more than a year, Dime Bank researched, planned and
implemented a new suite of personal checking products that
focus on providing real value to our customers and to our
local communities. Our employees reached out to customers
and partnered with hundreds of local businesses in the
creation of our unique product offering, and in 2015 the
project culminated in the roll out of the DimePerks
checking suite.
As a true community bank, Dime Bank is always looking for
ways to build on our relationships with the people and places
where we live and do business. The introduction of DimePerks
is a smart and valuable way for us to solidify our bond with
the community by encouraging customers to buy local and
rewarding them with real money-saving discounts to their
favorite shops and restaurants.
These new products are a bold
step forward for the region’s
community banking market.
In addition to the network of exclusive discounts available to
DimePerks customers, we wanted these products to contribute
to the overall health and well-being of our community.
That’s why DimePerks includes unique features like identity
theft protection, health savings cards, roadside assistance,
and cell phone protection. For many customers, a checking
account is the heart of their relationship with their bank.
With DimePerks, Dime Bank
packed as much value into
that relationship as possible
– all while promoting local
businesses and differentiating
ourselves from our competition.
DIME BANK 2015 ANNUAL REPORT
7
Building on a family legacy –
Bruce & Ron Goldstein
Long before brothers Bruce and Ron Goldstein were the
owners of Paradise Agency LLC – a real estate management and
development company in Colchester, CT, that manages about
400 residential units and several commercial properties – they
were the company’s first two unofficial employees. Their father,
Alfred, and mother, Renee, ran the company out of their home
in Colchester, so Ron and Bruce spent much of their childhood
learning what it meant to run a community-oriented business.
These lessons had a strong influence on Bruce and Ron as they
continued their educations. Bruce studied real estate finance at
UCONN and Ron went on to study law at Harvard Law School.
The brothers brought their skills back home and continued to
grow the family business.
“It was always important to my
father to be able to walk into a
bank and to talk to the people
who were making the decisions.
FAMILY
BEYOND
LIMITS
“Sometimes you’ve
got to react, and when
we know we need
something to fall
into place quickly,
Dime is there.”
Even to just say, ‘Hi’. That made an impression on me, to have
that kind of a relationship,” said Ron. “Dime Bank has absolutely
preserved that relationship.”
The Goldsteins pride themselves on providing their clients and
tenants with quality, personalized service. In addition to their
traditional residential and commercial projects, Paradise Agency
has recently started specializing in developing housing designed
for residents age 55+. They are longtime customers of Dime
Bank because Dime meets the high standard of customer service
that they expect from their own companies.
“Our parents built houses and apartments for people, they
weren’t just interested in the business part of it,” Bruce said.
“Our management philosophy is very personalized, and we take
care of our tenants right down to changing their light bulbs if
that’s what they need.”
“Dime Bank has stepped in and worked with us when we
needed them,” Ron said. “Dime is aggressive and cooperative,
they’re diligent and quick too. Response time matters
tremendously, because when you’re looking to finance a
property, you don’t necessarily know eight months in advance
that you’ve got to get the ball rolling. Sometimes you’ve got to
react, and when we know we need something to fall into place
quickly, Dime is there.”
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$58
Commercial Loan
Portfolio Growth
Last 5 Years
MILLION
DIME BANK 2015 ANNUAL REPORT
INVESTING IN THE
BUSINESSES THAT
SUPPORT OUR
COMMUNITIES.
$250.4
2011
$308.5
2015
Commercial Loan Portfolio (in millions)
DIME BANK 2015 ANNUAL REPORT
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BRANCHING BEYOND LIMITS
COLCHESTER 2016
Customer
Pod
Designed for
convenience, this
modern Customer Pod
provides a more interactive
setting for customers to work
with their Universal Bankers.
Cash recycler machines increase
the speed of banking
transactions.
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This is where
customers take
banking into their own
hands. This fully interactive
area means no waiting in line,
as customers can bank from
our mobile tablets and learn
about all of our products
and services via the
communication board.
Universal
Bankers
Tech Wall
These
knowledgeable,
highly trained staff
can handle anything from
everyday transactions, new
deposit products, residential
and personal loans, making
them a one-stop-shop for
customers’ needs.
DIME BANK 2015 ANNUAL REPORT
Solution
Booth
Power
Station
Consider this your homeaway-from-home office. At
the power station, customers
can take advantage of free
Wi-Fi, hot coffee, copier,
fax machine and charging
stations for mobile devices.
Sit down in style
with one of our Universal
Bankers at the Solution
Booth to talk about your
banking needs. Our comfortable
Solution Booth provides the
privacy needed for all of your
banking needs.
Artist's rendering
DIME BANK 2015 ANNUAL REPORT
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Growing With Dime –
Nick & Allison Schmitz
For most of their lives, Nick and Allison Schmitz never thought
much about becoming homeowners. Nick was busy running his own
landscaping business and Allison had her hands full with their three
sons. The young couple had a convenient rent-to-own scenario set
up in an East Lyme house that Allison’s parents owned – but it’s
funny how quickly a house seems to shrink as three little boys start
to grow.
“With the kids getting older, they needed their own space
and we needed ours,” Allison said. “We started looking for
a home in February 2014 and, since we started during the
winter, it was difficult.”
Buying a new home is never a simple task. But working with Dime
Bank mortgage officer Jeanne Lussier, made the process much easier
for the Schmitzes.
“Since this was our first house we really didn’t know what to expect,
but Jeanne was fabulous,” Allison said. “She kept in touch with us
throughout the whole process and kept us up-to-date with what
was going on and when we needed to sign important documents –
she was great.”
SERVICE
BEYOND
LIMITS
“Since this was our
first house we really
didn’t know what to
expect, but Jeanne
was fabulous!”
After months of searching for the right house, the couple had
found one they loved and were ready to buy. Jeanne got them
pre-approved for financing and the Schmitzes made an offer,
but the sellers weren’t ready to come to the closing table.
After two more months of house-hunting, Nick and Allison found
another listing they loved, and with Dime Bank in their corner, they
were able to move fast.
“The house was perfect for our family, so we went to look at it
and then right away we put an offer in on it and things started
to get rolling,” Allison said.
Nick and Allison waited with bated breath as they submitted the
final pieces of their mortgage application. Jeanne had them well
prepared, and they were elated when Dime Bank gave them
good news.
“When Jeanne said, ‘Everything
was approved, now you can get
a house’ – it was fabulous and
suddenly a weight was lifted.”
Allison said.
12
12
LOANS THAT LET OUR
NEIGHBORS BECOME
HOMEOWNERS.
DIME BANK 2015 ANNUAL REPORT
$425
Total Residential
Loan Originations,
Last 5 Years
MILLION
DIME BANK 2015 ANNUAL REPORT
13
COMMITMENT
TO COMMUNITY
Year after year, Dime Bank shows its commitment
to its communities through the Dime Bank
Foundation and the Blue Crew group of employee
volunteers. Dime Bank gave close to $335,000
to more than 100 local organizations in 2015,
and our Blue Crew volunteered 900 hours of
their time to serving the community.
14
“Dime Bank is truly a bank that cares about the
community. The Blue Crew volunteers have provided
invaluable service to Bethsaida by painting all of the
bedrooms and library/prayer rooms for our Patricia’s Place
Program. Every year they sponsor and attend both of our
annual fundraising events which helps us tremendously!
Thank you Dime Bank!”
Claire Silva, Executive Director
Bethsaida Community, Inc.
DIME BANK 2015 ANNUAL REPORT
$335K
100+
Contributions to
Community
Organizations
Supported
900
Hours
Volunteered
“Dime Bank’s generous financial support, and service to
the community have had a tremendous impact on the
children and families we serve each day here at Madonna
Place. Without a loyal community partner like Dime, we
would not be able to provide our neighbors with the critical
services they truly need. Thank you Blue Crew!”
“As a 70-year-old nonprofit, the Stonington Community Center
is truly grateful to our community partners whose support plays
a vital role in sustaining and building upon the COMO legacy.
Thank you, Dime Bank, for your steadfast commitment to the
COMO, as well as, the larger community. It is our utmost pleasure
to honor you as a 2016 Star over Stonington for your leadership
and contributions to strengthening families and community.”
Nancy Gentes, Executive Director
Madonna Place
Beth-Ann Stewart, Executive Director
Stonington Community Center
DIME BANK 2015 ANNUAL REPORT
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BOARD OF DIRECTORS
Front Row – Linda L. Mariani, Attorney, Senior Partner, Mariani & Reck, LLC; Nicholas Caplanson, President/CEO,
Dime Bank; Roland J. Harris, Commercial Realtor, Coldwell Banker
Back Row – Robert A. Staley, Retired Managing Director, Cornerstone Real Estate Advisers; Mark E. Tramontozzi, MD,
General/Vascular Surgeon, Backus Hospital; Steven L. Bokoff, Managing Partner, Goldblatt Bokoff, LLC; Lee-Ann Gomes,
Human Services Director, Norwich Human Services; James M. Kirker, Attorney, James M. Kirker, P.C.
CORPORATORS
Dr. Sultan Ahamed
Dr. Jan J. Akus
Mr. William R. Allen
Dr. Matthew D. Amaro Mr. Timothy S. Ashburner
Dr. Tom P. Bell
Mr. Neil H. Blinderman
Mr. Kenneth J. Capano Sr.
Atty. Pasquale A. Cavaliere
Mr. Leo M. Chupaska
Ms. Susan Howard Cihocki
Atty. George A. Comolli
Mr. John C. D’Amato Jr.
Atty. Donald J. DiFrancesca
Ms. Carolyn E. Ferrara
Ms. Catherine M. Foley
Mr. William E. Geer
16
Mr. Robert C. Giffen
Atty. Glenn M. Gordon
Ms. Beverly J. Goulet
Mr. Stephen M. Greene
Mr. William J. Griffin IV
Atty. Harry B. Heller
Ms. Sharon H. Hewes
Mr. DeVol Joyner
Dr. Tarik Kardestuncer
Ms. Jennifer King
Mr. Bruce A. Kirchner
Atty. Thomas J. Liguori Jr. Atty. Harold M. Lubin
Mr. John B. Malia
Mr. Joseph M. Mastronunzio
Ms. Maria C. Miranda
Ms. Deborah A. Monahan
Mr. Todd C. Postler Mr. Mark H. Powers
Mr. Robert P. Reed
The Honorable Linda M. Salafia, Ret.
Mr. Andrew R. Schilke
Ms. Susan E. Soderberg
Atty. Karl-Erik Sternlof
Mr. David A. Whitehead
Mr. Charles C. Whitty
Ms. Jenny C. Wronowski
HONORARY CORPORATORS
Dr. Francis M. Baldino
Dr. Michael G. Betten *
Mr. Craig F. Bode *
Ms. Hazel Judith Brown *
Mr. Francis J. Buckley Jr. *
Atty. John A. Cotter
Mr. Ralph G. Fargo Sr.
Mr. Paul M. Higgins Jr. *
Mr. Walter W. Juzwic
Ms. Nancy S. Klotz
Mr. Clifford P. Kumpf Sr.
Dr. Leland D. Loose
Ms. Mary R. Miskiewicz
Atty. Vincent J. Naccarato *
Dr. Ricardo Ochoa
Mr. Jerome T. Rogers *
Mr. Edward K. Schilke
Mr. John M. Smith
Ms. Esther B. Williams
* Retired Director
DIME BANK 2015 ANNUAL REPORT
PRESIDENT *
Nicholas Caplanson, President & Chief Executive Officer
SENIOR VICE PRESIDENTS *
Joshua Brier, Retail Banking, Sales & Marketing
Cheryl Calderado, Human Resources & Training
Thomas McAvoy Jr., Trust & Investment Services
Brian McNamara, Chief Lending Officer
Crystal Sides, Director of Compliance & Internal Audit
David Stanland, Chief Financial Officer, Treasurer
Johnna Taylor, Chief Credit Officer
VICE PRESIDENTS
Arthur (Chuck) Barton, Sr. Commercial Lender
Robert Buckley, Commercial Lender
Elizabeth D’Amato, Commercial Lender
Mildred Devine, Trust Officer
John Estelle, Commercial Lender
Christopher Gauthier, Commercial Lender
Andrew Harvey, Information Security Officer
Meggan Lynch, Business Development Manager
Deborah Malone, Controller
Amber Martin, Director of Marketing
Kimberly Misenti, Loan Operations Manager
Joan Nagle, Branch Administrator
Julie O’Connor, Credit Manager
Shalin Peck, Deposit Operations / eBanking Manager
Shawn Pishka, Operations/Facilities Manager
Karen Roman, Sr. Residential Lender
ASSISTANT VICE PRESIDENTS
John Belanger, Technology Manager
Cheryl Blanchard, Financial Advisor
James Burns, Financial Advisor
Ted Burrows, Loan Workout & Collections Officer
Donna Ceccarelli, Norwich Corporate Branch Manager
Laraine Cellucci, Stonington Branch Manager
Allison Cone, Operations Administration Officer
BethAnn Ericson, Residential Lender
Rebecca Frechette, New London Branch Manager
John Keating, Finance Officer
Peter Lampasona Jr., Retail Operations Manager
Jeanne Lussier, Residential Lender
Lorie Mocek, Norwichtown Branch Manager
Kevin Owren, Westerly Branch Manager
Deirdre Sullivan, Executive Admin. & Project Mgr.
Catherine Tiffany, Taftville Branch Manager
CORPORATE OFFICERS
Karyn Garside, ShopRite Branch Manager
Erica Gee, Training & Education
Robert Greatorex, Underwriting & Closing Mgr.
Ornet Hines, Montville Branch Manager
Monica MacNeil, Broadway Branch Manager
Colleen Miller, Ledyard Branch Manager
Cheryl Morin, Loan Processing Manager
Denise Ogden, Commercial Lender
Lynn Roberts, Trust Administration Officer
Darlene Serra, Benefits & Payroll Manager
Heather Smith, Accounting Supervisor
Phyllis Alexander
Benjamin Barning
Jacquelyn Baudro
Deliela Bettencourt
Alexander Blais
Sandra Blanchard
Michelle Boiselle
Merve Brielmann
Catherine Brosnan
Douglas Brown
Andrea Bundy
Laura Burdick
Jennifer Cassella
Ovidio Chaparro
Stacey Chauvin
Cheryl Chmielewski
Gina Cote
Yvonne Cuenin
Nicole Davis
Luanne Deer
Indu Jain
Paula Jello
Nicole Johns
Geoffrey Kisby
Michelle Kolodziejczak
Colette Ladd
Sandra Lambert
Stefanie LaMotte
Jean Lemire
Debra Lewis
Adam Lozis
Sheila Maheu
Zachariah Malinowsky
Pauline Mandry
Melissa Mathieu
Tammie McClure
Michelle McDonough
Mary-Ellen McLaughlin
Krista McSparran
Jillian Melton
Merlin Rajamohan
Brenda Ramesar
Melissa Raymond
Harry Reed
Aaron Rekas
Korine Reynolds
James Rincon
Maureen Rondeau
Christina Sanchez
Ryan Savage
Della Schimmel
Cidalia Schott
Lynn Semmelrock
Mary Shaw
Alexandra Smith
Geraldine Smith
Lauren Sperduto
Kathleen Stanley
Maryann Stetson
Lisa Stott
Christopher DeLucia
Luz Dickinson
Amber DiGangi
Brittany Dolan
Diane Eichner
Gale Ennis
Paul Espinosa
Corrie Faille
Lory Faille
Wendy Fitzgerald
John Florence
Kyle Fracchia
Chelsea Funk
Joanne Gagnon
Joy Ganci
Courtney Gideon
Stephanie Gromko
Arthur Healey
Walter Hewitt
Sandra Hill
DIME BANK 2015 ANNUAL REPORT
Wendy Michaud
Karen Miller
Jeanna Miner
Susan Mocek
Gabrielle Mohan
Ann Moore
Cindy Moran
Katherine Morano
Brandishea Moses
Theresa Mullen
Tamie Murray
Kaitlin O’Connell
Josephine Pai
Brenda Pappagallo
Keona Peake
Cibele Pedrozo-Gagnon
Allison Perkins
Joanne Perras
Amber Platt
Tracie Price
Kathleen Strenkowski
Bryan Sweet
Stefanie Sylvestre
Karen Talbot
Jacqueline Thurman
Erin Tirrell
Susanne Tracey
Rosanne Viadella
Michelle Walenczyk
Lynn Wallace
Matthew Walley
Jessica Watrous
Ashley Webster
Michael Wren
Bonny Wydler
Mary Youmans
Gail Zagarenski
Anne Zeppieri
* Senior Team
17
FINANCIAL
SUMMARY
82.5
85.8
87.8
5
487.
506.4
52
3.
79.4
75.0
2015
4
GROWTH
IN DEPOSITS
2014
GROWTH IN CAPITAL
2014
530.
2013
13
2012
2012
20
2011
2011
8
(IN MILLIONS)
.7
553
(IN MILLIONS)
5
201
2015
785.2
2014
756.2
2013
736.1
2012
729.8
2011
707.1
GROWTH IN ASSETS (IN MILLIONS)
18
DIME BANK 2015 ANNUAL REPORT
CONVENIENCE
BEYOND
LIMITS
COLCHESTER
139 South Main Street
Colchester, CT 06415
Opening in 2016
MONTVILLE
563 Norwich-NL Turnpike
Uncasville, CT 06382
860.848.0659
NORWICH (Corporate)
290 Salem Turnpike
Norwich, CT 06360
860.859.4300
STONINGTON BOROUGH
4 Cannon Square
Stonington, CT 06378
860.535.0034
EAST LYME
18 Chesterfield Road
East Lyme, CT 06333
860.739.2192
NEW LONDON (Shaw’s Cove)
668 Bank Street
New London, CT 06320
860.437.4366
NORWICH (Downtown)
33 Broadway
Norwich, CT 06360
860.889.2318
TAFTVILLE
630 Norwich Avenue
Taftville, CT 06380
860.887.0554
LEDYARD
744 Colonel Ledyard Highway
Ledyard, CT 06339
860.464.8925
NEW LONDON (ShopRite)
351 North Frontage Road
New London, CT 06320
860.437.6222
NORWICH (Norwichtown)
115 West Town Street
Norwich, CT 06360
860.892.4047
WESTERLY
131 Franklin Street
Westerly, RI 02891
401.596.4744
Fiddleheads Food Co-op
13 Broad Street
New London, CT
Mystic Aquarium
55 Coogan Blvd
Mystic, CT
Norwich Free Academy
305 Broadway | Atrium Building
Norwich, CT
ATM ONLY LOCATIONS
Backus Hospital
326 Washington Street
Norwich, CT
Gift Shop & Emergency Department
Also bank with DimeOnLine and the Dime Bank mobile app
DIME BANK 2015 ANNUAL REPORT
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DIME-BANK.com