good neighbor. great bank.

2013 COMMUNITY ANNUAL REPORT
GOOD NEIGHBOR. GREAT BANK.
Table of Contents
OUR PEOPLE, PLANNING, AND IDEAS.............. p.2
Dear Friends of Dime Bank.........................................p.3
Growth in Assets, Deposits, and Capital.....................p.4
COMMITMENT TO COMMUNITY ...................... p.6
Investing in the Community.......................................p.7
Organizations We’re Involved In...............................p.9
MEET OUR TEAM ............................................. p.10
LOCATIONS ..................................................... p.12
WHAT MAKES A GREAT BANK?
GOOD PEOPLE,
PLANNING AND IDEAS.
“With input from our board,
the community and our
leadership team, we seek to
make best use of resources in
support of vital causes.”
2
Some members of the Community
Reinvestment Act Committee: Lee-Ann Gomes,
Director; Karen Roman, Residential Lender;
Nick Caplanson, Chief Executive Officer and
David Stanland, Chief Financial Officer
DEAR FRIENDS OF
DIME BANK,
This year, the theme of our
annual report brings together
two things that we, as community
bankers, think about all
the time. We are driven
to be a great bank and
provide excellent service and convenience to
our customers. But, also,
we think about how we
can be a good neighbor and a
valuable contributor to the broad
community… individuals, organizations, and businesses in our
region.
This year, it is very easy for me
to say that Dime Bank was a good
neighbor simply by looking at the
level of community involvement
of our extended team of people.
Our employees, directors and
corporators generously donated
thousands of hours of their time
to a growing list of organizations
in southeastern Connecticut and
Rhode Island. The broad spectrum of organizations that we
touched through donations of
time, service, and of course
dollars, was incredibly noteworthy. I invite you to take a few
In 2013, we added to our lending team
to prepare for future growth
keenly aware of the needs of local Bank strives to make us a good
customers and the problems that
neighbor and a valued corporate
our neighbors face. Since we are
citizen in our local communities.
locally managed, we can be active I also consider Dime to be a great
Early in 2013, I hosted the first
in helping to address these needs bank because of the high marks
“Community Bank President’s
quickly. Whether an issue involves we receive relative to the service
Round Table” credit availand convemeeting with ability, mannience that
local bank
power, ideas,
we provide
presidents
or financial
for our custo discuss
donations, a
tomers. Our
our role in
community
great staff
the financial
bank like
and team of
industry and our responsibility to Dime is often
retail bankers
be good neighbors. We touched
in the mix of
and lenders
In 2013, the Dime Bank Blue Crew supported
more than 40 non-profits with over 825
on numerous topics, and the
community
deserve a lot
volunteer hours
participants commented that
leaders lendof credit, but
thriving and vibrant communities ing a helping hand.
in order to achieve true excelare usually homes to good comlence, a great bank must also
munity banks. A local bank is a
A good neighbor helps people,
manage a host of variables that
tremendous resource and is more supports causes that benefit a
affects how it operates, must
important to our communities than broad group and looks to immaintain reasonable profitability
most people even realize. Because prove the quality of life in their
and financial strength, and must
we live and work here, we are
corner of the world. I am proud to have long term vision. Like all
say that every employee at Dime
banks, Dime faces a new set of
regulatory rules being
moments to review, in the pages
that follow, a list of those we have
helped this year.
3
YEAR
GROWTH
DEPOSITS
FIVEFIVE
YEAR
GROWTH
ININ
DEPOSITS
600
4
$46.6M
During 2013,
40 we added to our lending
2004for
2005
2006 growth,
2007 2008and
2009
team to prepare
future
also wished Bob Giffen, our SVP of
commercial lending, well as he began
to transition into his retirement. Bob’s
contributions over twenty years at the
bank were significant and numerous. Not
only did he lead the effort to grow our
commercial lending presence in the marketplace, he also helped to perpetuate
a positive business culture that is often
cited by customers as one of the reasons
they like to do business with us.
Our overall business performance resulted in earnings of $3.2 million, placing
0
300
us in a solid financial position for the
2009
2010
2011
2012
2013
200
year. We are also very proud to say that
careful management, our finan100
FIVE YEAR GROWTHthrough
IN ASSETS
2012
2013
cial foundation has never been
stronger.
$736.1M
0
$707.1M
Our capital now exceeds $82.5 million
FIVEFIVE
YEAR
GROWTH IN
YEAR
IN ASSETS
ASSETS2011 750 2012
2009GROWTH
2010
2013
and our regulatory capital ratios are the
$736.1M
$707.1M 700
750
highest
they have ever been – more than
FIVE$634.1M
YEAR GROWTH
IN ASSETS
$729.8M
two
times
the level required $736.1M
by the
650
700
$679.4M
$707.1M
$634.1M
$729.8M
federal regulators for a well-capitalized
750
600
650
institution.
$679.4M
400
100
From a financial
100 standpoint, our
business continued to show positive
0
trends with deposits growing over
2009
2010
2011
$17 million, assets now reaching $736
million and our efforts in lending to
consumers and small businesses yielding excellent results. It was perceived
by the public that when the recession
started in 2008, many banks slowed or
even stopped lending to borrowers;
600
Dime Bank never stopped lending.
In fact, we lent more (over $900
550
million) during the past five years,
2009GROWTH
2010IN CAPITAL
2011
TEN YEAR
than during the five years preceed90
TEN YEAR GROWTH IN CAPITAL
ing the financial
crisis. We have been
90
80
$82.5M
eager to provide credit to qualified
$79.4M
80
TEN
YEAR
GROWTH
IN CAPITAL
70$75.0M
consumers and businesses through$64.8M
$65.2M
TEN YEAR GROWTH
IN CAPITAL
$69.5M
$58.3M
$57.5M
70
out the economic
downturn$64.8M
and have
$65.2M
90
60
$52.3M
$58.3M
$57.5M
plenty of liquidity
available
to
continue
60
$46.6M
$52.3M
80
50
making good$46.6M
loans.
50
$506.4 MILLION
$506.4 MILLION
$487.5 MILLION
$487.5 MILLION
500
200
$467.1 MILLION
$467.1 MILLION
600
300
$427.0 MILLION
$427.0$523.8
MILLION
MILLION
400 FIVE YEAR GROWTH IN DEPOSITS
$523.8 MILLION
$523.8 MILLION
500
$506.4 MILLION
$487.5 MILLION
$467.1 MILLION
200
$427.0 MILLION
implemented as a result of the DoddFrank Act. We spent a considerable
amount of time and effort ensuring that
FIVE YEAR GROWTH IN DEPOSITS
we are 100 percent in compliance with
600
all new regulations.
It’s not easy, but it is
essential. This
effort
will carry through
500
into 2014 as fourteen new regulations
400
become effective and impact how we
300
conduct business.
$46.6M
70
40
2004
700
550
$634.1M
$729.8Mthis financial
2009
2010Our long
2011term vision
2012 uses2013
strength to leverage opportunities that
$679.4M
650
2012
2013
600
550
$79.4M
$75.0M
$82.5M
2009
$69.5M
$79.4M
$82.5M
$75.0M
$69.5M
$64.8M
$65.2M
2005 2006
2009 2010 2011 2012 2013
$58.3M 2007 2008
$57.5M
2010 60
2011 2012 2013
$52.3M
50
$46.6M
$46.6M
40
2004
2005 2006 2007 2008 2009 2010 2011 2012 2013
may arise, and we plan to consistently
grow the bank while maintaining a keen
eye on risk.
and
2010
2011The recession
2012
2013sluggish
economy continue to affect our region
as well as the state at large, so new business will be more difficult to generate
going forward than it has been in years
past. Our focus on service will continue
to be the differentiating factor, and our
personalized approach will help us build
forward momentum and help us grow.
During this past year, we were pleased to
be recognized for our personalized
approach as readers of Norwich Magazine
voted Dime Bank the “Best
Financial Institution”
in Norwich.
This past fall, Attorney
Vincent Naccarato retired
from our board after serving nearly ten years
as a director. Vin was instrumental in helping
us build a presence in Westerly which represented a new market for us back in 2004.
His guidance and expertise will be missed
but we look forward to welcoming him as an
honorary corporator at our annual meeting
and value his continued strong affiliation with
the bank. We also welcomed Steven Bokoff of
Goldblatt Bokoff, LLC, to our board as a new
director during the year. Steve is very community-minded and, as a local CPA, understands
numbers and the challenges of running a
business in an industry that is heavily regu-
lated and impacted by the complexities of the current
economy. We welcome Steve and look forward to his
insight and expertise complementing our
existing board.
I would like to conclude by saying thank you to our
employees, directors, and corporators. Thank you for
your continued support, your ideas, your hard work,
and your passionate dedication to Dime Bank. Our bank
has never been financially stronger and our direction
remains crystal clear. I am extremely confident that as
we begin 2014 and move forward into the future
we will always be a good neighbor and we will
always be a great bank.
With my sincerest gratitude,
Since launching
mobile banking in 2011,
traffic has increased 225%.
Nicholas Caplanson,
President and Chief Executive Officer
OUR MISSION:
Dime Bank will remain a mutual,
community-oriented financial
institution offering competitive
products to meet the needs of
consumers, businesses, non-profits,
and municipalities. The hallmark of
Dime is the personalized manner
in which it serves its customers
and supports its communities.
Dime Bank is committed to
providing a positive work
environment where employees
are valued and respected.
In support of United Community & Family
Services (UCFS), Dime employees wore “One in
every 14” t-shirts, promoting accessible healthcare.
5
WHAT MAKES A GOOD NEIGHBOR?
COMMITMENT TO COMMUNITY.
Erica Gee, Training Officer
(Center) with students from
Our Piece of the Pie program,
along with members of
the Dime Team
TM
6
“In
Dime
Academy
THIS2013,
IS AN
AREA
FOR A PULL
offered
32 educational
OUT QUOTE
FROM THE
programs
over OFFERS
1,250
CONTENTto
THAT
individuals.”
AN ENGAGING OVERVIEW.
CREATING SOUND
FINANCIAL FUTURES
THROUGH COMMUNITY
EDUCATION
Dime Academy™, established in
2012, saw increased popularity
and activity in its second year.
As a community bank, providing
free and accessible financial
education is core to our mission
and echoes our long-standing
philosophy of commitment
to community. Our regional
economy and neighborhoods
thrive when everyone has the
skills and insights to achieve a
successful financial future.
In 2013, Dime Academy™ offered
32 educational programs to over
1,250 individuals — including
students, parents, young adults,
newlyweds, retirees, and
entrepreneurs. We achieved
this successful outreach through
partnerships with schools from
elementary to secondary
levels; counseling resources such
as SCORE of Southeastern
Connecticut; and a wide range
of non-profit providers such as
NAACP, Bethsaida, and
Our Piece of the Pie (OPP).
PROGRAMS INCLUDED:
• Get Smart About Your Finances
• Credit for Life
• America Saves
• Banking Basics
• Budgeting and Check Writing
• Managing a Business and its
Finances (Quickbooks)
• Internet Marketing
• Customer Loyalty Programs
Dime Academy™ programs are
offered throughout southeastern
Connecticut and Rhode Island,
at accessible sites such as area
schools, libraries, and Dime
Bank branches. Through financial
education, Dime provides the
tools for self-sufficiency and
financial success.
INVESTING IN
HUMAN
CAPITAL
The future is in our classrooms,
today. At Dime, we believe the
next generation of community
and regional leaders (as
well as community bankers!)
deserve our full support.
As a result, Dime has been
awarding scholarships to regional
high school students since 1995.
This popular and meaningful
program was established to
help deserving students attain
a college education while
recognizing their academic and
community achievements.
the roster and pacesetters for
those that followed. In support of
access to care, Dime also made
major contributions to Nautchaug
Hospital and United Community &
Family Services (UCFS) in 2013.
While such merits are outstanding and deserve notice,
Dime also recognizes students
who demonstrate our core
values through community
involvement and extracurricular
activities.
In mid-June of this past year,
Nick Caplanson, president and
CEO of Dime Bank, presented
scholarships to ten local
students from Norwich, New
London, East Lyme, Griswold,
Ledyard, Montville, Sprague,
Stonington and Westerly.
“We are proud to be able to
provide scholarships to these
outstanding students,” shared
Nick on that day. “Their
involvement in the community
and total engagement in extra
curricular activities, all while
maintaining academic excellence,
gives us all great hope for the
future.”
ASSURING A
HEALTHY COMMUNITY
In 2013, Dime Bank supported
many vital campaigns. We are
especially proud of our multiyear commitment to the new
L+M Cancer Center — we were
the first financial institution on
Dime team members serve on more than 50
regional boards in towns where we have branch
locations.
WE’RE ALL ON BOARD, IN
SO MANY WAYS
As you will see in the following
pages, well before the work
day begins and more afterhours and on weekends, Dime
Bank employees give their time
generously through a wide variety
of service.
Why? Because being a good
neighbor means being an active
part of what matters to others.
From our financial skills, to simply
an extra set of hands, Dime’s
employees work hard for the
preservation and improvement of
the neighborhoods where we live,
7
work and play.
A SOLID FOUNDATION
OF GIVING
THE TRIED AND TRUE
BLUE CREW
From collecting coats
for the disadvantaged
to parking cars at
charity events, our
team rolls up their
sleeves and digs in
deep to help
non-profit groups.
The Dime Bank Foundation is
An employee-created
honored to share
community outreach
that in 2013, we
initiative, now in its fifth
provided over
year, the Blue Crew
$168,000 to 66
continues to be a point
When the community calls, The Blue Crew answers — 24/7.
non-profit
of pride for all involved.
organizations.
As the very definition of
non-profit designated on that day. Established
being a good neighbor, “The
The benefiting charity is noted on in 1998, the
Crew” devotes time, talents
lapel stickers and through on-site Foundation
and resources to help make the
signage, raising awareness as well furthers Dime’s
world a better place, one local
as funds.
commitment to
challenge at a time.
community with tangible
This win-win idea is popular
From collecting coats for the
returns to the people we serve.
amongst a team who enjoys
disadvantaged to parking cars
Our mission is to improve the
weekly dress-down days and
at charity events, our team
well-being and quality of life for
equally enjoyed by regional
rolls up their sleeves and digs
non-profits who have been direct this region by providing funding
in deep to help non-profit
to organizations offering vital
beneficiaries. As an unexpected
groups throughout southeastern
resources to individuals within the
Connecticut and Rhode Island. In bonus, vendors and customers
will join on some Fridays, adding Dime’s service area.
2013, the Dime Bank Blue Crew
to the success.
GOOD PARTNERSHIP.
supported more than 40 nonGREAT FUTURES.
profits with over 825 volunteer
In 2013, Blue Jeans Days raised
hours.
nearly $14,000 in support of 38
Whether through donations
different organizations.
made by the Bank, the Dime
NOTHING BRIGHTENS A
Foundation or collaborating with
DAY LIKE BLUE JEANS
non-profits, we work hard to make
a difference. The Davis
Dime Bank’s Blue Jeans Days
family always dreamed of
have become a Friday tradition
having a home they could call
for our entire staff. Employees
their own. Partnering with
are welcome to wear blue jeans
Habitat for Humanity and Dime
to work each Friday, in exchange
Bank, the Davis family became
for a $5 donation to the charity/
proud owners of a place to call
“home,” pictured here, and we’re
equally proud to call them new
Dime Bank partners with Habitat for
“neighbors.”
Humanity, one of our most popular Blue
Crew projects, on the Davis family home in
Norwich.
A LIVING MISSION — OUR TEAM’S COMMITMENT TO COMMUNITY.
Spirit of Broadway Theater
Sprague Board of Finance
Sprague Board of Selectmen
Stonington Borough Merchants Association
Three Rivers Community College Foundation
United Community & Family Services
United Way
Waterford Country School
Waterford Education Foundation
Westerly Lions Club
The William W. Backus Hospital
William W. Backus Hospital Foundation
WWB Corp. (Subsidiary of William W. Backus Hospital)
WE’RE EVERYWHERE —
BLUE CREW EVENTS AND ACTIVITIES:
American Cancer Society Making
Strides Against Breast Cancer
American Diabetes Association
Step Out/Walk To Stop Diabetes
ARC Day of Caring at Camp
Harkness
Big Brothers Big Sisters Bowl For Kids’ Sake
Center for Hospice Care Southeast
Connecticut Walk
Connecticut Schooner Festival
Coventry Regional Farmers‘ Market‘s Autumn
Soups and Stews/Harvest Festival
Eastern Connecticut Chamber Home Show
Fish Tales, Tugs & Sails Family Event
Greater Norwich Area Chamber of Commerce
(Auto Show, Rock the Docks and Dragon Boat Race)
Greater Westerly Heart Walk
Greater Westerly/Pawcatuck
Chamber Duck Race
Habitat for Humanity
Integrated Day Charter School Rummage Sale
Ledyard Light Parade & Carole Sing
Madonna Place 13th Annual Trivial Pursuit
March of Dimes March For Babies
Montville Light Parade
Mystic Area Shelter & Hospitality Iron Chef Competition
& Auction for Action (MASH)
Mystic Irish Parade
New England Science & Sailing Oyster Fest
Norwich Arts Council Concert
Norwich Hospitality Center/St. Vincent de Paul Place
New London Chowder Fest
New London Main Street Food Strolls
New London Rotary (Brewfest and Sailfest Road Race)
Norwich Free Academy Family Day
Norwich Rotary Golf Tournament
Norwich Sunrise Rotary 3rd Annual Great Rotary
Duck Race
Otis Library Fall Festival
Sails Up 4 Cancer
Salvation Army Bell Ringers
Stonington COMO Fair
United Way (Mobile Food Pantry and Food Drive)
Walk Now for Autism Speaks
The WARM Center Westerly Area Rest Meals, Inc.
Waterford Country School Golf Tournament
7,000+
TOTAL
VOL
UNTEER
HOURS
2013
FOR
WHERE THERE’S A BOARD, THERE’S A DIME
TEAM MEMBER SHARING TIME AND TALENT:
Alliance for Living
Bethsaida Community
Catholic Charities
Center for Hospice Care SE CT
City of Norwich Police Station
Community Foundation of Eastern CT
Covenant Shelter
Eastern CT Chamber of Commerce
Eastern CT Chamber of Commerce Foundation
Estate and Tax Planning Council of Southeastern CT
First Congregational Church of Old Lyme Endowment
Girl Scouts of Connecticut
Greater Westerly-Pawcatuck Area
Chamber of Commerce
Horses Healing Humans
Integrated Day Charter School
James A. Greenleaf Jr. Memorial Trust Fund
Lawrence+Memorial Hospital
Lyme-Old Lyme Junior Women
Montville Commission on Aging
Montville Education Foundation
Montville High School Career and Technical Partnership
Montville Rotary Club
Mystic Area Shelter & Hospitality
National Bone Marrow Association
New London Community Center Planning Collaborative
New London County Historical Society
New London Local First
New London Landmarks
New London Main Street
New London Renaissance
New London Rotary Club
Niantic Main Street
Greater Norwich Area Chamber of Commerce
Norwich Community Development Corporation
Norwich Free Academy
Norwich Redevelopment Agency
Norwich Sunrise Rotary
Renaissance City Development Association
Rogers Lake West Shores Association
Safe Futures
Salem Zoning Board of Appeals
Salvation Army
Southeastern Connecticut Housing Alliance
Southeastern Connecticut Enterprise Region
9
GOOD
COLLABORATION.
GREAT
TEAM.
10
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.
Mr. Pasquale A. Cavalieri
Mr. Leo M. Chupaska
Atty. George A. Comolli
Mr. James P. Cronin
Mr. John C. D’Amato, Jr.
Atty. Donald J. DiFrancesca
Ms. Carolyn E. Ferrara
Ms. Catherine M. Foley
Mr. William E. Geer
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
Ms. Susan Howard
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
Dr. Ricardo Ochoa
Mr. Todd C. Postler
Mr. Mark H. Powers
Mr. Robert P. Reed
The Honorable
Linda M. Salafia, Ret.
Mr. Andrew R. Schilke
Mr. Edward K. Schilke
Ms. Susan E. Soderberg
Mr. David A. Whitehead
Mr. Charles C. Whitty
Ms. Jenny C. Wronowski
HONORARY
CORPORATORS:
Mr. Frederic B. Allyn, Jr.
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.
Mr. Leonard A. Levine
Dr. Leland D. Loose
Ms. Mary R. Miskiewicz
Atty. Vincent J. Naccarato
Mr. Jerome T. Rogers*
Mr. John M. Smith
Ms. Esther B. Williams
*Retired Directors
THANK YOU
BOARD OF DIRECTORS:
Front Row – Linda L. Mariani, Attorney, Senior Partner,
Mariani & Reck; Nicholas Caplanson, President/CEO,
Dime Bank; Roland J. Harris, Site Development and Land
Planning Consultant
Back Row – Robert A. Staley, Retired Managing Director,
Cornerstone Real Estate Advisers; Mark E. Tramontozzi,
MD, General/Vascular Surgeon, The William W. Backus
Hospital; Steven L. Bokoff, Managing Partner, Goldblatt
Bokoff, LLC; Lee-Ann Gomes, Supervisor of Social Work,
Norwich Human Services; James M. Kirker, Attorney,
James M. Kirker, P.C.
Our deepest gratitude to
Vincent J. Naccarato, Attorney,
Principal Partner, Naccarato &
Fracassa, who retired from
Dime’s Board of Directors in
October 2013.
Attorney Naccarato, of Westerly,
Rhode Island, provided nearly a
decade of generous service to the community of Dime
Bank, supporting our growth in all areas.
Thank you, Vin, for all you have done to assure that
the mission and resources of Dime Bank remain
strong and stable.
PRESIDENT
Nicholas Caplanson,
Chief Executive Officer
SENIOR VICE PRESIDENTS
Cheryl Calderado,
Admin, Sales, Svcs. & Mktg.
Thomas McAvoy, Jr.,
Trust & Investment Services
Brian McNamara,
Chief Lending Officer
David Stanland,
Chief Financial Officer/
Treasurer
Johnna Taylor,
Chief Credit Officer
VICE PRESIDENTS
Anthony Antoch,
Sr Commercial Lender
Arthur “Chuck” Barton,
Sr Commercial Lender
Robert Buckley,
Commercial Lender
Elizabeth D’Amato,
Commercial Lender
Paige Dest,
Compliance/BSA Officer
Mildred Devine,
Trust Officer
Denise Magario,
Sr Residential Lender
Deborah Malone,
Controller
Kimberly Misenti,
Loan Operations Manager
Joan Nagle,
Branch Administrator
Diane Papadakos,
Director of Marketing & Sales
Shawn Pishka,
Operations/Facilities Manager
Karen Roman,
Sr Residential Lender
ASST. VICE PRESIDENTS
John Adams,
Technology Manager
Cheryl Blanchard,
Financial Advisor
Ted Burrows,
Loan Workout & Collections
Officer
Donna Ceccarelli,
Norwich Corporate
Branch Manager
Laraine Cellucci,
Stonington Branch Manager
Allison Cone,
Operations Administration
Officer
John Estelle,
Commercial Lender
Rebecca Frechette,
East Lyme Branch Manager
Christopher Gauthier,
Commercial Lender
Andrew Harvey,
Information Security Officer
John Keating,
Finance Officer
Peter Lampasona, Jr.,
Retail Operations Manager
Lorie Mocek,
Norwichtown Branch Manager
Julie O’Connor,
Credit Manager
Kevin Owren,
Westerly Branch Manager
Shalin Peck,
Deposit Ops/eBanking
Manager
Meg Polubiatko,
Residential Lender
Deirdre Sullivan,
Executive Admin & Project Mgr.
Catherine Tiffany,
Taftville Branch Manager
CORPORATE OFFICERS
James Burns,
Financial Advisor
Melissa Colli,
Marketing Community
Relations Officer
Joanne Gagnon,
Loan Closing Manager
Karyn Garside,
New London Branch Manager
Robert Greatorex,
Underwriter
Julie Lumpkins,
Marketing Research Officer
Monica MacNeil,
Montville Branch Manager
Colleen Miller,
Ledyard Branch Manager
Cheryl Morin,
Loan Processing Manager
Denise Ogden,
Commercial Lender
Nancy Potter,
New London Branch Manager
Lynn Roberts,
Trust Administration Officer
Theresa Salas,
Norwich Downtown
Branch Manager
Darlene Serra,
Benefits & Payroll Manager
Heather Smith,
Accounting Supervisor
Jesse Aguilar
Phyllis Alexander
Benjamin Barning
Mary Anne Bastien
Jacquelyn Baudro
Brian Bergeron
Deliela Bettencourt
Sandra Blanchard
Christopher Bohara
Michelle Boiselle
Kathleen Bolton-Kelley
Catherine Brosnan
Cheryl Brown
Andrea Bundy
Laura Burdick
Ovidio Chaparro
Stacey Chauvin
Cheryl Chmielewski
Julie Cinami
Laura Citrak
Samantha Corey
Gina Cote
Nicole Davis
Christopher Delucia
Luz Dickinson
Amber Digangi
Kathleen Donahue
Diane Eichner
Rachel Engle
Gale Ennis
Paul Espinosa
Corrie Faille
Andrew Fitch
Wendy Fitzgerald
John Florence
Kyle Fracchia
Chelsea Funk
Sandra Gaitan-Brown
Daisy Garcia
Terri Gaskell
Erica Gee
Gina Godish
Maureen Goff
Stephanie Gromko
Sandra Hill
Indu Jain
Paula Jello
Nicole Johns
Geoffrey Kisby
Lisa Krauss
Colette Ladd
Nicole Lafayette
Jean Lemire
Debra Lewis
Maurya Locas
Adam Lozis
Sheila Maheu
Pauline Mandry
Ana Martinez
Melissa Mathieu
Janet Maulucci
Tammie McClure
Michelle McDonough
Mary-Ellen McLaughlin
Jillian Melton
Wendy Michaud
Karen Miller
Jeanna Miner
Susan Mocek
Ann Moore
Cindy Moran
Katherine Morano
Cathy Morton
Brandishea Moses
Theresa Mullen
Tamie Murray
Austin Newsome
Nancy O’Brien
Edward Olenkiewicz
Brenda Pappagallo
Keona Peake
Allison Perkins
Joanne Perras
Jennifer Piner
Amber Platt
Merlin Rajamohan
Brenda Ramesar
Melissa Raymond
Harry Reed
Aaron Rekas
Korine Reynolds
Samantha Rivera
Maureen Rondeau
Laura Ryan
Ryan Savage
Della Schimmel
Cidalia Schott
Anne Scribner
Lynn Semmelrock
Mary Shaw
Geraldine Smith
Lauren Sperduto
Randy Sperry
Deborah Stearns
Kathleen Strenkowski
Bryan Sweet
Marilyn Taylor
Erin Tirrell
Susanne Tracey
Kenneth Useted
Rosanne Viadella
John Vincent
Michelle Walenczyk
Lynn Wallace
Jessica Watrous
Ashley Webster
Mary Youmans
Gail Zagarenski
Anne Zeppieri
11
Drs. Marcus (L), Matthew (C) and Michael Capalbo (R) of
Capalbo Dental Group of Westerly, Wakefield and Wickford
with Tony Antoch, Senior Commercial Lender (Seated)
Seema Mukherjee of Kumon Math and Reading Center
of East Lyme and Glastonbury (L) with
Chris Gauthier, Commercial Lender
David Cartwright (L), owner of Central Auto Group
in Plainfield and Fairfield with Bob Buckley, Commercial Lender
.
GOOD LOCATIONS. GREAT SERVICE.
NORWICH CORPORATE*
290 Salem Turnpike; Norwich, CT 06360
860.859.4300
LEDYARD*
744 Colonel Ledyard Highway; Ledyard, CT 06339
860.464.8925
WESTERLY*
131 Franklin Street; Westerly, RI 02891
401.596.4744
NORWICH DOWNTOWN*
33 Broadway; Norwich, CT 06360
860.889.2318
MONTVILLE*
563 Norwich-NL Turnpike; Montville, CT 06382
860.848.0659
ATM ONLY LOCATIONS
NORWICHTOWN*
115 West Town Street; Norwich, CT 06360
860.892.4047
NEW LONDON* (In Shaw’s Cove)
668 Bank Street; New London, CT 06320
860.437.4366
TAFTVILLE*
630 Norwich Avenue; Taftville, CT 06380
860.887.0554
NEW LONDON* (In ShopRite)
351 North Frontage Road; New London, CT 06320
860.437.6222
EAST LYME*
18 Chesterfield Road; East Lyme, CT 06333
860.739.2192
STONINGTON BOROUGH*
4 Cannon Square; Stonington, CT 06378
860.535.0034
Backus Hospital
326 Washington Street; Norwich, CT 06360
Near Gift Shop & in Emergency Department
Norwich Free Academy (In Atrium Building)
305 Broadway; Norwich, CT 06360
Fiddleheads Food Co-op
13 Broad Street; New London, CT 06320
*ATM Locations
dime-bank.com
Member FDIC|
Equal Housing Lender