DCOM Dime Community Bancshares Dashboard

Risks

• Acquisitions involve integrations and other risks.
• The concentration of our loan portfolio in loans secured by commercial, multi-family and residential real estate properties located on Long Island and the New York City boroughs could materially adversely affect our financial condition and results of operations if general economic conditions or real estate values in this area decline.
• If our regulators impose limitations on our commercial real estate lending activities, earnings could be adversely affected.
• Increases to the allowance for credit losses may cause our earnings to decrease.
• We are subject to the CRA and fair lending laws, and failure to comply with these laws could lead to material penalties.
• Changes in interest rates could affect our profitability.
• We operate in a highly regulated environment, Federal and state regulators periodically examine our business, and we may be required to remediate adverse examination findings.
• We face a risk of noncompliance and enforcement action with the federal Bank Secrecy Act (the “BSA”) and other anti-money laundering and counter terrorist financing statutes and regulations.
• The short-term and long-term impact of the changing regulatory capital requirements and anticipated new capital rules are uncertain.
• The subordinated debentures that we issued have rights that are senior to those of our common shareholders.
• Strong competition within our market area may limit our growth and profitability.
• Our future success depends on the success and growth of Dime Community Bank.
• The loss of key personnel could impair our future success.
• Our business may be adversely affected by fraud and other financial crimes.
• Risks associated with system failures, interruptions, or breaches of security could negatively affect our operations and earnings.
• We are exposed to cyber-security risks, including denial of service, hacking, and identity theft.
• Severe weather, acts of terrorism and other external events could impact our ability to conduct business.