New York Community Bancorp, Inc. Reports 4th Quarter 2012 Diluted Non-GAAP Cash EPS of $0.30 (1) and Diluted GAAP EPS of

  New York Community Bancorp, Inc. Reports 4th Quarter 2012 Diluted Non-GAAP
  Cash EPS of $0.30 (1) and Diluted GAAP EPS of $0.28

Board of Directors Declares 36th Consecutive Quarterly Cash Dividend of $0.25
                                  per Share

                              4Q 2012 Highlights

  *Strong Earnings, Solid Returns:

       *The Company generated 2012 GAAP earnings of $501.1 million, including
         $122.8 million in 4Q 2012.
       *The Company's 4Q 2012 earnings provided a 1.24% return on average
         tangible assets and a 16.61% return on average tangible stockholders'
         equity. ^(2)

  *Strong Net Interest Income and Margin:

       *Net interest income rose $5.1 million linked-quarter, to $290.0
         million, while the margin declined two basis points, to 3.15%, in 4Q
         2012.

  *Mortgage Banking Income:

       *Mortgage banking income more than doubled from the level recorded in
         2011, to $178.6 million in the twelve months ended 12/31/2012. In the
         fourth quarter of 2012, mortgage banking income totaled $32.6
         million, reflecting a year-over-year increase of 31.9%.

  *Solid Asset Quality:

       *Net charge-offs declined $19.0 million year-over-year and $5.8
         million linked-quarter, to $3.1 million, representing 0.01% of
         average loans in 4Q 2012.
       *Non-performing non-covered assets declined $119.8 million, or 29.2%,
         year-over-year, to $290.6 million, representing 0.66% of total assets
         at 12/31/2012.

  *Record Loan Production:

       *Loans originated for investment rose 20.0% year-over-year, to a
         near-record $2.8 billion, in 4Q 2012.
       *Loans originated for sale totaled $3.0 billion in the fourth quarter,
         reflecting a year-over-year increase of 8.4%.

  *Strategic Repositioning of Borrowed Funds:

       *Since late December, the Company has repositioned $6.0 billion of
         borrowed funds, resulting in a 117-basis point decline in their
         weighted average cost. In connection with the repositioning, the
         weighted average call datewas extended by approximately four years.

  *Consistent Capital Strength:

       *Excluding accumulated other comprehensive loss, net of tax ("AOCL"),
         tangible stockholders’ equity represented 7.79% of tangible assets.
         ^(2)

Business Wire

WESTBURY, N.Y. -- January 30, 2013

New York Community Bancorp, Inc. (NYSE: NYCB) (the “Company”) today reported
GAAP earnings of $122.8 million, or $0.28 per diluted share, for the three
months ended December 31, 2012, and $501.1 million, or $1.13 per diluted
share, for the twelve months ended at that date.

The Company also reported cash earnings of $133.0 million, or $0.30 per
diluted share for the current fourth quarter, and $542.0 million, or $1.24 per
diluted share, for the twelve months ended December 31, 2012.

__________

Please Note: Footnotes are located on the last page of text. As further
discussed in the footnotes, “cash earnings,” “tangible assets,” “average
tangible assets,” “tangible stockholders’ equity,” “average tangible
stockholders’ equity,” and the related measures are all non-GAAP financial
measures.

The Company’s fourth quarter cash earnings added $10.2 million, or 8.3%, more
to tangible stockholders’ equity than its fourth quarter GAAP earnings; its
twelve-month cash earnings added $40.9 million, or 8.2%, more to tangible
stockholders’ equity than its twelve-month GAAP earnings alone. ^ (1)(2)

Commenting on the Company’s 2012 results, President and Chief Executive
Officer Joseph R. Ficalora stated, "Our 2012 performance underscored the
merits of complementing our traditional multi-family lending in New York City
with the nationwide origination of one-to-four family loans for sale. The
diversification of our revenue stream enabled us to generate even stronger
earnings in 2012 than we did in 2011, despite the significant degree of margin
pressure imposed by the low level of market interest rates. In 2012, our
earnings rose to $501.1 million, generating a 1.28% return on average tangible
assets and a 16.80% return on average tangible stockholders' equity.^(2)

"In the fourth quarter of 2012, our earnings rose year-over-year to $122.8
million and once again provided above-industry average returns. While net
interest income declined year-over-year, together with our margin, the
declines were significantly limited by a record level of prepayment penalty
income--$39.3 million--and largely offset by a year-over-year rise in income
produced by our mortgage banking activities. For the twelve months ended
December 31, 2012, prepayment penalty income rose 39.0% to a record $120.4
million and mortgage banking income more than doubled during the same time.

"Another 2012 highlight was the volume of loan production. In the fourth
quarter of 2012, originations of held-for-investment loans reached a
near-record $2.8 billion, boosting the full year's production to $9.0 billion.
In addition, the volume of loans originated for sale was $3.0 billion in the
quarter, bringing the full-year volume to $10.9 billion.

"Notwithstanding the prepayment of our largest loan relationship in November,
as we’d expected, our portfolio of multi-family loans grew $1.2 billion, or
6.7%, to $18.6 billion and total held-for-investment loans rose $1.8 billion,
or 6.9%, to $27.3 billion, at December 31st.

"The growth of our loan portfolio was fueled, in part, by an increase in
deposits--the result of our assumption of funds from another institution
toward the end of the second quarter, as well as a meaningful level of organic
deposit growth. At the end of the year, deposits totaled $24.9 billion,
including core deposits of $15.8 billion.

"While growing our loan portfolio is an important objective, even more so is
maintaining a high level of asset quality. At the end of the year, the balance
of non-performing non-covered assets was 29.2% lower than the year-earlier
balance, and represented 0.66% of total assets, an improvement from 0.98%.
Furthermore, net charge-offs represented a mere 0.01% of average loans in the
current fourth quarter, and improved from 0.35% to 0.13% for the full year.
These measures are a tribute to both our conservative underwriting standards
and to the unique features of our lending niche.

"Also worthy of mention are the actions we have been taking since the latter
part of December to reduce our wholesale funding costs in an extremely low
rate environment. To date, we've repositioned borrowed funds of $6.0 billion,
and have extended the weighted average maturity and call date on those funds
by approximately four years. The result was a 117-basis point decline in the
weighted average cost of the funds we repositioned, which will be reflected in
our first quarter 2013 results and beyond."

Board of Directors Declares $0.25 per Share Dividend Payable on February 22,
2013

"Yet another achievement in 2012 was the maintenance of our strong capital
position, which has been critical to our ability to engage in strategies that
enhance the value of our investors' shares. Reflecting the strength of our
earnings and capital, the Board of Directors last night declared--for the 36th
consecutive quarter--a quarterly cash dividend of $0.25 per share. The
dividend is payable on February 22nd to shareholders of record at the close of
business on February 11, 2013," Mr. Ficalora said.

Balance Sheet Summary

Total assets rose $2.1 billion, or 5.0%, year-over-year, to $44.1 billion at
December 31, 2012. The year-end balance was consistent with the balance at
September 30, 2012.

Loans

Notwithstanding the prepayment of a $545.5 million loan relationship in the
current fourth quarter, total loans, net, rose $1.4 billion, or 4.7%,
year-over-year and $339.0 million linked-quarter, to $31.6 billion,
representing 71.5% of total assets at December 31, 2012.

  *Loans Held for Sale: The average balance of loans held for sale was $1.1
    billion in the current fourth quarter, comparable to the average balances
    in the year-earlier and trailing three months. While home owners were
    encouraged to refinance or purchase new homes by the historically low
    level of mortgage interest rates and the Fed's third round of quantitative
    easing, production levels dropped off somewhat in the last month of 2012.
    The decline was partly attributable to the seasonality of one-to-four
    family lending and to the increase in mortgage interest rates.
  *Covered Loans: The balance of covered loans (i.e., loans acquired in the
    Company's FDIC-assisted transactions) declined $469.0 million
    year-over-year and $116.6 million linked-quarter, to $3.3 billion at
    December 31, 2012.
  *Loans Held for Investment: Loans held for investment rose $1.8 billion, or
    6.9%, year-over-year and $461.6 million linked-quarter, to $27.3 billion
    at December 31, 2012. In the three months ended at that date, originations
    of loans held for investment rose to a near-record $2.8 billion, bringing
    the full-year volume to $9.0 billion. Multi-family and commercial real
    estate (“CRE”) loans accounted for $1.8 billion and $664.2 million,
    respectively, of the current fourth quarter’s production and for $5.8
    billion and $2.4 billion, respectively, of the full-year amount. The
    volume of multi-family and CRE loans produced in the current fourth
    quarter was largely attributable to an increase in property transactions,
    as property owners anticipated changes to the U.S. tax code being made.

The following table provides additional information about the Company's
multi-family and CRE loan portfolios:

                                     December 31,
(dollars in thousands)                 2012                2011
Multi-Family Loan Portfolio:
Loans outstanding                      $18,605,185           $17,432,665
Percent of held-for-investment         68.2        %         68.3        %
loans
Average loan size                      $4,107                $4,013
Expected weighted average life         2.9         years     3.3         years
                                                                         
Commercial Real Estate Loan
Portfolio:
Loans outstanding                      $7,436,950            $6,855,888
Percent of held-for-investment         27.3        %         26.9        %
loans
Average loan size                      $4,571                $3,900
Expected weighted average life         3.4         years     3.4         years
                                                                         

At December 31, 2012, acquisition, development, and construction (“ADC”) loans
represented $397.3 million, or 1.5%, of total loans held for investment, while
other loans represented $641.6 million, or 2.4%. Included in the latter amount
were commercial and industrial ("C&I") loans of $591.7 million, representing
92.2% of other loans.

Pipeline

The current loan pipeline is approximately $4.0 billion, with loans held for
investment and loans held for sale each accounting for $2.0 billion of that
amount.

Asset Quality

The following discussion pertains only to the Company's portfolio of
non-covered loans held for investment and non-covered other real estate owned
("OREO").

The Company's asset quality reflected significant year-over-year improvement
as non-performing non-covered assets fell $119.8 million, or 29.2%, to $290.6
million, representing 0.66% of total assets at December 31, 2012. The
following table provides a summary of the Company's non-performing non-covered
assets at that date and the prior year-end:

                                               December 31,
(dollars in thousands)                           2012        2011
Non-Performing Non-Covered Assets:
Non-accrual non-covered mortgage loans:
Multi-family                                     $ 163,460     $ 205,064
Commercial real estate                             56,863        68,032
Acquisition, development, and construction         12,091        29,886
One-to-four family                                10,945       11,907
Total non-accrual non-covered mortgage loans     $ 243,359     $ 314,889
Other non-accrual non-covered loans               17,971       10,926
Total non-performing non-covered loans           $ 261,330     $ 325,815
Other real estate owned                           29,300       84,567
Total non-performing non-covered assets          $ 290,630     $ 410,382
                                                               

The balance of loans 30 to 89 days past due declined $84.1 million
year-over-year and $21.3 million linked-quarter, to $27.6 million at December
31, 2012. As a result, total delinquencies fell $203.8 million, or 39.0%,
year-over-year to $318.2 million; on a linked-quarter basis, the decrease was
$21.2 million, or 6.2%.

In addition, net charge-offs declined $59.3 million, or 58.9%, from the level
recorded in 2011, to $41.3 million in 2012. Net charge-offs thus represented
0.13% of average loans in the current twelve-month period, an improvement from
0.35% in the year-earlier twelve months. Included in the 2012 amount were
fourth quarter net charge-offs of $3.1 million, representing 0.01% of average
loans.

The following table presents the Company's asset quality measures at or for
the twelve months ended December 31, 2012 and 2011:

                                                        
                                                           December 31,
                                                           2012      2011
Non-performing non-covered loans to total loans            0.85  %     1.11  %
Non-performing non-covered assets to total assets          0.66        0.98
Net charge-offs during the period to average loans         0.13        0.35
during the period
Allowance for losses on non-covered loans to               53.93       42.14
non-performing non-covered loans
Allowance for losses on non-covered loans to total         0.52        0.54
non-covered loans
                                                                             

Securities

Securities rose $373.0 million year-over-year and declined $230.7 million
linked-quarter, to $4.9 billion at December 31, 2012. The latter balance was
equivalent to 11.1% of total assets, as compared to 10.8% at December 31, 2011
and 11.7% at September 30, 2012. Government-sponsored enterprise ("GSE")
securities represented 91.3% of total securities at the end of December,
comparable to the percentages at the earlier dates.

Funding Sources

Deposits rose $2.6 billion, or 11.4%, year-over-year and $256.3 million
linked-quarter to $24.9 billion at December 31, 2012. The year-over-year
increase reflects the assumption of deposits from Aurora Bank FSB toward the
end of the second quarter, as well as organic retail deposit growth over the
course of the year. Certificates of deposit (“CDs”) represented $9.1 billion,
or 36.7%, of the current year-end total, while core deposits (i.e., NOW and
money market accounts, savings accounts, and non-interest-bearing deposits)
represented the remaining $15.8 billion, or 63.3%.

Wholesale borrowings totaled $13.1 billion at December 31, 2012, reflecting a
year-over-year reduction of $371.2 million and a linked-quarter reduction of
$102.0 million. The December 31, 2012 balance represented 29.6% of total
assets, as compared to 32.0% and 29.9%, respectively, at the earlier dates. In
addition, the Company has repositioned $6.0 billion of borrowed funds since
late December, resulting in a 117-basis point reduction in their weighted
average cost, and the extension of their weighted average maturity and call
date by approximately four years.

Stockholders’ Equity

Stockholders’ equity rose $90.6 million year-over-year and $13.8 million
linked-quarter, to $5.7 billion at December 31, 2012. At the same date,
tangible stockholders’ equity totaled $3.2 billion, reflecting a
year-over-year increase of $110.2 million and a linked-quarter increase of
$18.5 million. The year-over-year and linked-quarter increases were
attributable to the strength of the Company’s earnings in the twelve and three
months ended December 31, 2012. ^ (2)

In addition, the regulatory capital ratios for both New York Community Bank
and New York Commercial Bank continued to exceed the minimum regulatory
requirements for “well capitalized” classification at December 31, 2012, as
indicated in the table on the last page of this release.

Earnings Summary for the Three Months Ended December 31, 2012

Net Interest Income

In the three months ended December 31, 2012, the Company recorded net interest
income of $290.0 million, reflecting a $10.3 million, or 3.4%, reduction from
the year-earlier level and a $5.1 million, or 1.8%, increase from the
trailing-quarter amount. In addition, the Company's net interest margin fell
30 basis points year-over-year, and two basis points linked-quarter, to 3.15%
in the fourth quarter of 2012.

The following factors contributed to the changes in net interest income and
margin:

  *In 2012, the ten-year Constant Maturity Treasury rate averaged 1.71%, 34
    basis points lower than the average in the prior year. The result was an
    increase in refinancing activity and property transactions, particularly
    in the Company's multi-family lending niche. Although prepayment penalty
    income rose dramatically as refinancing activity increased, the loan
    portfolio was replenished with loans that featured lower yields. The
    average yield on loans and interest-earning assets declined to 5.08% and
    4.84%, respectively, in the current fourth quarter, notwithstanding the
    contribution of prepayment penalties.
  *Prepayment penalty income contributed $39.3 million to the interest income
    on loans in the current fourth quarter, up $10.4 million and $7.8 million,
    respectively, from the year-earlier and trailing-quarter amounts.
  *In addition, prepayment penalty income contributed 43 basis points to the
    Company's net interest margin in the current fourth quarter, as compared
    to 33 and 35 basis points, respectively, in the earlier periods.
  *The year-over-year declines in the Company's net interest income and
    margin were also tempered by a $2.0 billion increase in average
    interest-earning assets to $36.9 billion, including a $1.5 billion
    increase in average loans to $31.3 billion and a $486.5 million increase
    in average securities to $5.6 billion. On a linked-quarter basis, the
    average balance of interest-earning assets rose $835.2 million, reflecting
    a $411.4 million increase in the average loan balance and a $423.8 million
    increase in the average balance of securities.
  *The year-over-year declines in net interest income and margin were also
    tempered by a 15-basis point reduction in the average cost of
    interest-bearing liabilities to 1.81%, even as the average balance rose by
    $1.2 billion to $34.5 billion. On a linked-quarter basis the average cost
    of funds rose one basis point while the average balance modestly declined.

Provisions for Loan Losses

The provision for losses on non-covered loans was $5.0 million in the current
fourth quarter, reflecting a year-over-year reduction of $15.0 million and a
linked-quarter reduction of $5.0 million.

In addition, the Company recovered $3.3 million from the allowance for losses
on covered loans in the current fourth quarter, reflecting an increase in
expected cash flows on certain pools of acquired loans. Because the covered
loan portfolio is covered by FDIC loss sharing agreements, the recovery in the
fourth quarter of 2012 was partially offset by FDIC indemnification expense of
$2.6 million, recorded in non-interest income. In contrast, the Company
recorded a $12.7 million provision for losses on covered loans in the
year-earlier quarter, which was partially offset by FDIC indemnification
income of $10.0 million. Similarly, the provision for losses on covered loans
was $2.8 million in the trailing quarter, and was partially offset by FDIC
indemnification income of $2.3 million.

Non-Interest Income

Non-interest income totaled $55.5 million in the current fourth quarter,
reflecting a year-over-year decrease of $4.3 million and a linked-quarter
decrease of $26.2 million. The year-over-year decline was largely due to the
FDIC indemnification expense recorded in the current fourth quarter. The
linked-quarter decline was largely due to a drop in mortgage banking income as
a rise in mortgage interest rates toward the end of the fourth quarter
combined with the seasonality of such lending to reduce the volume of loans
produced. Additional details about the Company's fourth quarter 2012
non-interest income follow:

  *Mortgage banking income, which consists of income from originations and
    servicing income, accounted for $32.6 million of non-interest income in
    the current fourth quarter, reflecting a $7.9 million, or 31.9%, increase
    from the year-earlier level and a $20.0 million, or 38.0%, decrease from
    the trailing-quarter amount. Income from originations totaled $33.7
    million in the current fourth quarter, far exceeding the impact of a $1.1
    million servicing loss (net of hedges). In the year-earlier quarter,
    origination income totaled $24.2 million and servicing income amounted to
    $515,000. In contrast, origination income totaled $66.5 million in the
    trailing quarter, exceeding the impact of a $13.9 million servicing loss.
  *Fee income, income from bank-owned life insurance ("BOLI"), and other
    income together totaled $27.2 million in the current fourth quarter,
    reflecting a year-over-year increase of $3.3 million and a linked-quarter
    increase of $877,000. The increases stemmed from all three sources which,
    together with mortgage banking income, constitute the Company's recurring
    sources of non-interest income.
  *Including mortgage banking income, non-interest income from recurring
    sources totaled $59.8 million in the current fourth quarter, up $11.2
    million from the year-earlier level and down $19.1 million from the
    trailing-quarter amount.

Non-Interest Expense

Non-interest expense rose $8.2 million year-over-year and $1.2 million
linked-quarter, to $154.6 million in the fourth quarter of 2012. Operating
expenses accounted for $149.8 million of the current fourth quarter total, up
$8.9 million and $1.4 million, respectively, from the earlier amounts.

The increases were attributable to the following factors:

  *Compensation and benefits expense rose $4.1 million year-over-year and
    $834,000 linked-quarter, to $75.3 million, largely reflecting normal
    salary increases and the granting of incentive stock awards.
  *Occupancy and equipment expense rose $1.2 million year-over-year and fell
    modestly linked-quarter to $22.6 million in the fourth quarter of 2012.
  *General and administrative ("G&A") expense totaled $51.9 million in the
    current fourth quarter, up $3.6 million from the year-earlier level and
    $847,000 from the trailing-quarter amount. In addition to a rise in
    variable mortgage banking expenses, the respective increases reflect the
    costs of managing and disposing of foreclosed properties.

About New York Community Bancorp, Inc.

With assets of $44.1 billion at December 31, 2012, New York Community Bancorp,
Inc. is currently the 20th largest bank holding company in the nation and a
leading producer of multi-family mortgage loans in New York City, with an
emphasis on apartment buildings that feature below-market rents. The Company
has two bank subsidiaries: New York Community Bank, a thrift with 240 branches
serving customers throughout Metro New York, New Jersey, Ohio, Florida, and
Arizona; and New York Commercial Bank, with 34 branches serving customers in
Manhattan, Queens, Brooklyn, Long Island, and Westchester County in New York.

Reflecting its growth through a series of acquisitions, the Community Bank
operates through seven local divisions, each with a history of service and
strength: Queens County Savings Bank in Queens; Roslyn Savings Bank on Long
Island; Richmond County Savings Bank on Staten Island; Roosevelt Savings Bank
in Brooklyn; Garden State Community Bank in New Jersey; Ohio Savings Bank in
Ohio; and AmTrust Bank in Florida and Arizona. Similarly, the Commercial Bank
operates 17 of its branches under the divisional name Atlantic Bank.
Additional information about the Company and its bank subsidiaries is
available at www.myNYCB.com and www.NewYorkCommercialBank.com.

Post-Earnings Release Conference Call

As previously announced, the Company will host a conference call on Wednesday,
January 30, 2013, at 9:30 a.m. (Eastern Time) to discuss its fourth quarter
2012 performance and strategies. The conference call may be accessed by
dialing (800) 862-9098 (for domestic calls) or (785) 424-1051 (for
international calls) and providing the following access code: 4Q12NYCB. A
replay will be available approximately two hours following completion of the
call through midnight on February 3rd, and may be accessed by calling (800)
688-9459 (domestic) or (402) 220-1373 (international) and providing the same
access code. The conference call also will be webcast at ir.myNYCB.com, and
archived through 5:00 p.m. on February 27, 2013.

Forward-Looking Statements

This earnings release and the associated conference call may include
forward-looking statements by the Company and our authorized officers
pertaining to such matters as our goals, intentions, and expectations
regarding revenues, earnings, loan production, asset quality, and
acquisitions, among other matters; our estimates of future costs and benefits
of the actions we may take; our assessments of probable losses on loans; our
assessments of interest rate and other market risks; and our ability to
achieve our financial and other strategic goals.

Forward-looking statements are typically identified by words such as
“believe,” “expect,” “anticipate,” “intend,” “outlook,” “estimate,”
“forecast,” “project,” and other similar words and expressions, and are
subject to numerous assumptions, risks, and uncertainties, which change over
time. Additionally, forward-looking statements speak only as of the date they
are made; the Company does not assume any duty, and does not undertake, to
update our forward-looking statements. Furthermore, because forward-looking
statements are subject to assumptions and uncertainties, actual results or
future events could differ, possibly materially, from those anticipated in our
statements, and our future performance could differ materially from our
historical results.

Our forward-looking statements are subject to the following principal risks
and uncertainties: general economic conditions and trends, either nationally
or locally; conditions in the securities markets; changes in interest rates;
changes in deposit flows, and in the demand for deposit, loan, and investment
products and other financial services; changes in real estate values; changes
in the quality or composition of our loan or investment portfolios; changes in
competitive pressures among financial institutions or from non-financial
institutions; our ability to retain key members of management; our ability to
successfully integrate any assets, liabilities, customers, systems, and
management personnel we may acquire into our operations, and our ability to
realize related revenue synergies and cost savings within expected time
frames; changes in legislation, regulations, and policies; and a variety of
other matters which, by their nature, are subject to significant uncertainties
and/or are beyond our control.

Greater detail regarding some of these factors is provided in our Form 10-K
for the year ended December 31, 2011 and our Forms 10-Q for the three months
ended March 31, June 30, and September 30, 2012, including in the Risk Factors
section of those and other SEC reports. Our forward-looking statements may
also be subject to other risks and uncertainties, including those we may
discuss elsewhere in our news releases, our conference calls, during our
investor presentations, or in our SEC filings, which are accessible on our web
site and at the SEC’s web site, www.sec.gov.

                - Financial Statements and Highlights Follow -

                            Footnotes to the Text

      Cash earnings and the related profitability measures are non-GAAP
(1)  financial measures. Please see the reconciliations of our GAAP earnings
      and cash earnings on page 10 of this release.
      Tangible assets and tangible stockholders’ equity are non-GAAP capital
(2)   measures. Please see the reconciliations of our GAAP and non-GAAP
      capital measures on page 11 of this release.

                                                            
NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED STATEMENTS OF CONDITION

(in thousands, except share data)
                                                                 
                                             December 31,        December 31,
                                             2012                2011
                                             (unaudited)
Assets
Cash and cash equivalents                    $ 2,427,258         $ 2,001,737
Securities:
Available-for-sale                           429,266             724,662
Held-to-maturity                             4,484,262          3,815,854   
Total securities                             4,913,528           4,540,516
Loans held for sale                          1,204,370           1,036,918
Non-covered mortgage loans held for
investment:
Multi-family                                 18,605,185          17,432,665
Commercial real estate                       7,436,950           6,855,888
Acquisition, development, and                397,288             445,387
construction
One-to-four family                           203,434            127,361     
Total non-covered mortgage loans held        26,642,857          24,861,301
for investment
Non-covered other loans held for             641,607            671,517     
investment
Total non-covered loans held for             27,284,464          25,532,818
investment
Less: Allowance for losses on                (140,948      )     (137,290    )
non-covered loans
Non-covered loans held for investment,       27,143,516          25,395,528
net
Covered loans                                3,284,061           3,753,031
Less: Allowance for losses on covered        (51,311       )     (33,323     )
loans
Covered loans, net                           3,232,750          3,719,708   
Total loans, net                             31,580,636          30,152,154
Federal Home Loan Bank stock, at cost        469,145             490,228
Premises and equipment, net                  264,149             250,859
FDIC loss share receivable                   566,479             695,179
Goodwill                                     2,436,131           2,436,131
Core deposit intangibles, net                32,024              51,668
Other assets (includes $45,115 and
$71,400, respectively, of other real         1,455,750          1,405,830  
estate owned covered by loss sharing
agreements)
Total assets                                 $ 44,145,100       $42,024,302 
                                                                             
Liabilities and Stockholders’ Equity
Deposits:
NOW and money market accounts                $ 8,783,795         $ 8,757,198
Savings accounts                               4,213,972         3,953,859
Certificates of deposit                        9,120,914         7,373,263
Non-interest-bearing accounts                 2,758,840        2,241,334   
Total deposits                                24,877,521       22,325,654  
Borrowed funds:
Wholesale borrowings                           13,067,974        13,439,193
Junior subordinated debentures                 357,917           426,936
Other borrowings                              4,300            94,284      
Total borrowed funds                           13,430,191        13,960,413
Other liabilities                             181,124          172,531     
Total liabilities                             38,488,836       36,458,598  
Stockholders’ equity:
Preferred stock at par $0.01 (5,000,000        --                --
shares authorized; none issued)
Common stock at par $0.01 (600,000,000
shares authorized; 439,133,951 and
437,426,665 shares issued, and                4,391             4,374
439,050,966 and 437,344,796 shares
outstanding, respectively)
Paid-in capital in excess of par               5,327,111         5,309,269
Retained earnings                              387,534           324,967
Treasury stock, at cost (82,985 and            (1,067     )      (996        )
81,869 shares, respectively)
Accumulated other comprehensive loss,
net of tax:
Net unrealized gain on securities              12,614            1,321
available for sale, net of tax
Net unrealized loss on the non-credit
portion of other-than-temporary               (13,525    )      (13,627     )
impairment losses, net of tax
Pension and post-retirement obligations,      (60,794    )      (59,604     )
net of tax
Total accumulated other comprehensive         (61,705    )      (71,910     )
loss, net of tax
Total stockholders’ equity                    5,656,264        5,565,704   
Total liabilities and stockholders’          $ 44,145,100       $42,024,302 
equity
                                                                             

                                                                 
NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME

(in thousands, except per share data)

(unaudited)
                                                                      
                         For the Three Months Ended                   For the Twelve Months Ended
                         Dec. 31,     Sept. 30,    Dec. 31,       Dec. 31,       Dec. 31,
                         2012           2012           2011           2012             2011
Interest Income:
Mortgage and other       $397,904       $394,935       $414,303       $1,597,504       $1,638,651
loans
Securities and money     48,868        47,776        50,539        193,597         228,013    
market investments
Total interest           446,772       442,711       464,842       1,791,101       1,866,664  
income
                                                                                                  
Interest Expense:
NOW and money market     9,413          9,106          8,638          36,609           39,285
accounts
Savings accounts         3,328          3,288          3,459          13,677           15,488
Certificates of          23,155         23,516         25,301         93,880           102,400
deposit
Borrowed funds           120,875       121,851       127,186       486,914         509,070    
Total interest           156,771       157,761       164,584       631,080         666,243    
expense
Net interest income      290,001        284,950        300,258        1,160,021        1,200,421
Provision for losses     5,000          10,000         20,000         45,000           79,000
on non-covered loans
(Recovery of)
provision for losses     (3,280   )     2,820         12,712        17,988          21,420     
on covered loans
Net interest income
after provisions for     288,281       272,130       267,546       1,097,033       1,100,001  
loan losses
                                                                                                  
Non-Interest Income:
Loss on
other-than-temporary     --             --             --             --               (18,124    )
impairment of
securities
Mortgage banking         32,574         52,581         24,688         178,643          80,674
income
Fee income               9,730          9,427          9,288          38,348           44,874
Bank-owned life          7,334          6,781          7,041          30,502           28,384
insurance
Net gain on sales of     672            510            1,139          2,041            36,608
securities
FDIC indemnification     (2,625   )     2,256          10,009         14,390           17,633
(expense) income
Loss on debt             (2,313   )     --             --             (2,313     )     --
redemption
Gain on business         --             --             --             --               9,823
disposition
Other income             10,123        10,102        7,593         35,742          35,453     
Total non-interest       55,495        81,657        59,758        297,353         235,325    
income
                                                                                                  
Non-Interest
Expense:
Operating expenses:
Compensation and         75,250         74,416         71,160         296,874          293,344
benefits
Occupancy and            22,649         22,956         21,482         90,738           86,903
equipment
General and              51,941        51,094        48,297        206,221         194,436    
administrative
Total operating          149,840        148,466        140,939        593,833          574,683
expenses
Amortization of core     4,710         4,855         5,448         19,644          26,066     
deposit intangibles
Total non-interest       154,550       153,321       146,387       613,477         600,749    
expense
Income before income     189,226        200,466        180,917        780,909          734,577
taxes
Income tax expense       66,383        71,668        63,265        279,803         254,540    
Net Income               $122,843      $128,798      $117,652      $ 501,106       $ 480,037  
                                                                                                  
Basic earnings per       $0.28         $0.29         $0.27         $1.13           $1.09      
share
Diluted earnings per     $0.28         $0.29         $0.27         $1.13           $1.09      
share
                                                                                                  

                       NEW YORK COMMUNITY BANCORP, INC.
    RECONCILIATIONS OF GAAP EARNINGS AND NON-GAAP EARNINGS (CASH EARNINGS)
                                 (unaudited)

Although cash earnings are not a measure of performance calculated in
accordance with GAAP, we believe that they are important because of their
contribution to tangible stockholders’ equity. (Please see the discussion and
reconciliations of stockholders’ equity and tangible stockholders’ equity that
appear under “Reconciliations of GAAP and Non-GAAP Capital Measures” on page
11 of this release.) We calculate cash earnings by adding back to GAAP
earnings certain items that have been charged against them but that are added
to, rather than subtracted from, tangible stockholders’ equity. For this
reason, we believe that cash earnings, although non-GAAP, are useful to
investors seeking to evaluate our financial performance and to compare our
performance with that of other companies in the banking industry that also
report cash earnings.

Cash earnings should not be considered in isolation or as a substitute for net
income, cash flows from operating activities, or other income or cash flow
statement data calculated in accordance with GAAP. Moreover, the manner in
which we calculate cash earnings may differ from that of other companies
reporting non-GAAP measures with similar names.

Reconciliations of our GAAP and cash earnings for the three months ended
December 31, 2012, September 30, 2012, and December 31, 2011 and for the
twelve months ended December 31, 2012 and 2011 follow:

                                                                 
                         For the Three Months Ended                   For the Twelve Months
(in thousands,                                                        Ended
except per share         Dec. 31,       Sept. 30,      Dec. 31,       Dec. 31,       Dec. 31,
data)                    2012         2012                        2012         2011
                                                       2011
GAAP Earnings            $122,843       $128,798       $117,652       $501,106       $480,037
Additional
contributions to
tangible
stockholders’
equity:^(1)
Amortization and
appreciation of
shares held in           5,207          5,140          3,950          20,683         15,706
stock-related
benefit plans
Associated tax           249            375            161            589            2,679
effects
Loss on
other-than-temporary     --             --             --             --             10,800
impairment of
securities
Amortization of core     4,710         4,855         5,448         19,644        26,066   
deposit intangibles
Total additional
contributions to
tangible                 10,166        10,370        9,559         40,916        55,251   
stockholders’ equity
^(1)
Cash earnings            $133,009      $139,168      $127,211      $542,022      $535,288 
                                                                                              
Diluted GAAP             $0.28          $0.29          $0.27          $1.13          $1.09
Earnings per Share
Add back:
Amortization and
appreciation of
shares held in           0.01           0.02           0.01           0.06           0.04
stock-related
benefit plans
Associated tax           --             --             --             --             0.01
effects
Loss on
other-than-temporary     --             --             --             --             0.03
impairment of
securities
Amortization of core     0.01          0.01          0.01          0.05          0.06     
deposit intangibles
Total additions          0.02          0.03          0.02          0.11          0.14     
Diluted cash             $0.30         $0.32         $0.29         $1.24         $1.23    
earnings per share
                                                                                              
Cash Earnings Data:
Cash return on           1.23     %     1.29     %     1.22     %     1.28     %     1.30     %
average assets
Cash return on
average tangible         1.31           1.37           1.30           1.35           1.39
assets ^(1)
Cash return on
average                  9.68           10.02          9.19           9.80           9.73
stockholders’ equity
Cash return on
average tangible         17.58          18.06          16.72          17.76          17.84
stockholders’ equity
^(1)
Cash efficiency          41.86         39.10         38.05         39.33         38.45    
ratio ^(2)
                                                                                              

      Tangible assets and tangible stockholders’ equity are non-GAAP capital
(1)  measures. Please see the reconciliations of our GAAP and non-GAAP
      capital measures that appear on page 11 of this release.
      We calculate our cash efficiency ratio by dividing our operating
(2)   expenses by the sum of our net interest income and non-interest income
      after excluding the pertinent non-cash items from our operating expenses
      and non-interest income.
      

                       NEW YORK COMMUNITY BANCORP, INC.
            RECONCILIATIONS OF GAAP AND NON-GAAP CAPITAL MEASURES
                                 (unaudited)

Although tangible stockholders’ equity, adjusted tangible stockholders’
equity, tangible assets, and adjusted tangible assets are not calculated in
accordance with GAAP, management uses these non-GAAP capital measures in their
analysis of our financial performance. We believe that these non-GAAP capital
measures are an important indication of our ability to grow both organically
and through business combinations, and, with respect to tangible stockholders’
equity and adjusted tangible stockholders’ equity, our ability to pay
dividends and to engage in various capital management strategies.

Tangible stockholders’ equity, adjusted tangible stockholders’ equity,
tangible assets, adjusted tangible assets, and the related non-GAAP capital
measures should not be considered in isolation or as a substitute for
stockholders’ equity, total assets, or any other measure calculated in
accordance with GAAP. Moreover, the manner in which we calculate these
non-GAAP measures may differ from that of other companies reporting non-GAAP
measures with similar names.

Reconciliations of our stockholders’ equity, tangible stockholders’ equity,
and adjusted tangible stockholders’ equity; total assets, tangible assets, and
adjusted tangible assets; and the related measures at or for the three months
ended December 31, 2012, September 30, 2012, and December 31, 2011 and the
twelve months ended December 31, 2012 and 2011 follow:

                At or for the                                       At or for the
                  Three Months Ended                                    Twelve Months Ended
                  Dec. 31,        Sept. 30,       Dec. 31,          Dec. 31,        Dec. 31,
                  2012              2012              2011              2012              2011
(in
thousands)
Total
Stockholders’     $ 5,656,264       $ 5,642,465       $ 5,565,704       $ 5,656,264       $ 5,565,704
Equity
Less:             (2,436,131  )     (2,436,131  )     (2,436,131  )     (2,436,131  )     (2,436,131  )
Goodwill
Core deposit      (32,024     )     (36,734     )     (51,668     )     (32,024     )     (51,668     )
intangibles
Tangible
stockholders’     $ 3,188,109       $ 3,169,600       $ 3,077,905       $ 3,188,109       $ 3,077,905
equity
                                                                                                      
Total Assets      $44,145,100       $44,093,795       $42,024,302       $44,145,100       $42,024,302
Less:             (2,436,131  )     (2,436,131  )     (2,436,131  )     (2,436,131  )     (2,436,131  )
Goodwill
Core deposit      (32,024     )     (36,734     )     (51,668     )     (32,024     )     (51,668     )
intangibles
Tangible          $41,676,945       $41,620,930       $39,536,503       $41,676,945       $39,536,503
assets
                                                                                                      
Tangible
Stockholders’     $3,188,109        $3,169,600        $3,077,905        $3,188,109        $3,077,905
Equity
Add back:
Accumulated
other             61,705           57,674           71,910           61,705           71,910      
comprehensive
loss, net of
tax
Adjusted
tangible          $3,249,814        $3,227,274        $3,149,815        $3,249,814        $3,149,815
stockholders’
equity
                                                                                                      
Tangible          $41,676,945       $41,620,930       $39,536,503       $41,676,945       $39,536,503
Assets
Add back:
Accumulated
other             61,705           57,674           71,910           61,705           71,910      
comprehensive
loss, net of
tax
Adjusted
tangible          $41,738,650       $41,678,604       $39,608,413       $41,738,650       $39,608,413
assets
                                                                                                      
Average
Stockholders’     $ 5,498,040       $ 5,557,693       $ 5,535,114       $ 5,531,055       $ 5,501,639
Equity
Less: Average
goodwill and      (2,471,204  )     (2,476,056  )     (2,491,327  )     (2,478,523  )     (2,500,864  )
core deposit
intangibles
Average
tangible          $ 3,026,836       $ 3,081,637       $ 3,043,787       $ 3,052,532       $ 3,000,775
stockholders’
equity
                                                                                                      
Average           $43,087,846       $43,205,076       $41,683,129       $42,493,455       $41,131,010
Assets
Less: Average
goodwill and      (2,471,204  )     (2,476,056  )     (2,491,327  )     (2,478,523  )     (2,500,864  )
core deposit
intangibles
Average
tangible          $40,616,642       $40,729,020       $39,191,802       $40,014,932       $38,630,146
assets
                                                                                                      
Net Income        $122,843          $128,798          $117,652          $501,106          $480,037
Add back:
Amortization
of core           2,826            2,913            3,269            11,786           15,640      
deposit
intangibles,
net of tax
Adjusted net      $125,669          $131,711          $120,921          $512,892          $495,677
income
                                                                                                      

                      
NEW YORK COMMUNITY BANCORP, INC.

NET INTEREST INCOME ANALYSIS

(dollars in thousands)

(unaudited)
                         
                         For the Three Months Ended
                         December 31, 2012                        September 30, 2012
                                                    Average                                Average
                         Average                        Yield/      Average                        Yield/
                         Balance          Interest      Cost        Balance          Interest      Cost
Assets:
Interest-earning
assets:
Mortgage and other       $ 31,327,597     $ 397,904     5.08  %     $ 30,916,239     $ 394,935     5.11  %
loans, net
Securities and money      5,606,278       48,868      3.49        5,182,436       47,776      3.69  
market investments
Total
interest-earning           36,933,875       446,772     4.84          36,098,675       442,711     4.90
assets
Non-interest-earning      6,153,971                                 7,106,401
assets
Total assets             $ 43,087,846                               $ 43,205,076
Liabilities and
Stockholders’
Equity:
Interest-bearing
deposits:
NOW and money market     $ 8,884,441      $ 9,413       0.42  %     $ 8,842,331      $ 9,106       0.41  %
accounts
Savings accounts           4,163,544        3,328       0.32          4,127,076        3,288       0.32
Certificates of           9,066,441       23,155      1.02        9,472,750       23,516      0.99  
deposit
Total
interest-bearing           22,114,426       35,896      0.65          22,442,157       35,910      0.64
deposits
Borrowed funds            12,336,991      120,875     3.90        12,354,988      121,851     3.92  
Total
interest-bearing           34,451,417       156,771     1.81          34,797,145       157,761     1.80
liabilities
Non-interest-bearing       2,815,353                                  2,555,893
deposits
Other liabilities         323,036                                   294,345
Total liabilities          37,589,806                                 37,647,383
Stockholders’ equity      5,498,040                                 5,557,693
Total liabilities
and stockholders’        $ 43,087,846                               $ 43,205,076
equity
Net interest
income/interest rate                      $ 290,001     3.03  %                      $ 284,950     3.10  %
spread
Net interest margin                                     3.15  %                                    3.17  %
Ratio of
interest-earning
assets to                                               1.07  x                                    1.04  x
interest-bearing
liabilities
                                                                                                         
Core deposits ^(1)       $15,863,338      $12,741       0.32  %     $15,525,300      $12,394       0.32  %
                                                                                                         

(1) Refers to all deposits other than certificates of deposit.

                      
NEW YORK COMMUNITY BANCORP, INC.

NET INTEREST INCOME ANALYSIS

(dollars in thousands)

(unaudited)
                         
                         For the Three Months Ended December 31,
                         2012                                     2011
                                                    Average                                Average
                         Average                        Yield/      Average                        Yield/
                         Balance          Interest      Cost        Balance          Interest      Cost
Assets:
Interest-earning
assets:
Mortgage and other       $ 31,327,597     $ 397,904     5.08  %     $ 29,858,411     $ 414,303     5.55  %
loans, net
Securities and money      5,606,278       48,868      3.49        5,119,747       50,539      3.95  
market investments
Total
interest-earning           36,933,875       446,772     4.84          34,978,158       464,842     5.31
assets
Non-interest-earning      6,153,971                                 6,704,971
assets
Total assets             $ 43,087,846                               $ 41,683,129
Liabilities and
Stockholders’
Equity:
Interest-bearing
deposits:
NOW and money market     $ 8,884,441      $ 9,413       0.42  %     $ 8,767,862      $ 8,638       0.39  %
accounts
Savings accounts           4,163,544        3,328       0.32          3,931,038        3,459       0.35
Certificates of           9,066,441       23,155      1.02        7,464,519       25,301      1.34  
deposit
Total
interest-bearing           22,114,426       35,896      0.65          20,163,419       37,398      0.74
deposits
Borrowed funds            12,336,991      120,875     3.90        13,124,314      127,186     3.85  
Total
interest-bearing           34,451,417       156,771     1.81          33,287,733       164,584     1.96
liabilities
Non-interest-bearing       2,815,353                                  2,649,959
deposits
Other liabilities         323,036                                   210,323
Total liabilities          37,589,806                                 36,148,015
Stockholders’ equity      5,498,040                                 5,535,114
Total liabilities
and stockholders’        $ 43,087,846                               $ 41,683,129
equity
Net interest
income/interest rate                      $ 290,001     3.03  %                      $ 300,258     3.35  %
spread
Net interest margin                                     3.15  %                                    3.45  %
Ratio of
interest-earning
assets to                                               1.07  x                                    1.05  x
interest-bearing
liabilities
                                                                                                         
Core deposits ^(1)       $15,863,338      $12,741       0.32  %     $15,348,859      $12,097       0.31  %
                                                                                                         

(1) Refers to all deposits other than certificates of deposit.

                      
NEW YORK COMMUNITY BANCORP, INC.

NET INTEREST INCOME ANALYSIS

(dollars in thousands)

(unaudited)
                         
                         For the Twelve Months Ended
                         December 31, 2012                          December 31, 2011
                                                      Average                                  Average
                         Average                          Yield/      Average                          Yield/
                         Balance          Interest        Cost        Balance          Interest        Cost
Assets:
Interest-earning
assets:
Mortgage and other       $ 30,906,145     $ 1,597,504     5.17  %     $ 29,079,468     $ 1,638,651     5.64  %
loans, net
Securities and money      5,210,297       193,597       3.72        5,608,502       228,013       4.07  
market investments
Total
interest-earning           36,116,442       1,791,101     4.96          34,687,970       1,866,664     5.38
assets
Non-interest-earning      6,377,013                                   6,443,040
assets
Total assets             $ 42,493,455                                 $ 41,131,010
Liabilities and
Stockholders’
Equity:
Interest-bearing
deposits:
NOW and money market     $ 8,833,412      $ 36,609        0.41  %     $ 8,641,022      $ 39,285        0.45  %
accounts
Savings accounts           4,089,019        13,677        0.33          3,946,965        15,488        0.39
Certificates of           8,405,143       93,880        1.12        7,420,397       102,400       1.38  
deposit
Total
interest-bearing           21,327,574       144,166       0.68          20,008,384       157,173       0.79
deposits
Borrowed funds            12,771,311      486,914       3.81        13,136,067      509,070       3.88  
Total
interest-bearing           34,098,885       631,080       1.85          33,144,451       666,243       2.01
liabilities
Non-interest-bearing       2,575,841                                    2,222,280
deposits
Other liabilities         287,674                                     262,640
Total liabilities          36,962,400                                   35,629,371
Stockholders’ equity      5,531,055                                   5,501,639
Total liabilities
and stockholders’        $ 42,493,455                                 $ 41,131,010
equity
Net interest
income/interest rate                      $ 1,160,021     3.11  %                      $ 1,200,421     3.37  %
spread
Net interest margin                                       3.21  %                                      3.46  %
Ratio of
interest-earning
assets to                                                 1.06  x                                      1.05  x
interest-bearing
liabilities
                                                                                                             
Core deposits ^(1)       $15,498,272      $50,286         0.32  %     $14,810,267      $54,773         0.37  %
                                                                                                             

(1) Refers to all deposits other than certificates of deposit.

                                                                   
NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(dollars in thousands, except share and per share data)

(unaudited)
                                                                        
                  For the Three Months Ended                            For the Twelve Months Ended
                  Dec. 31,        Sept. 30,       Dec. 31,          Dec. 31,        Dec. 31,
                  2012              2012              2011              2012              2011
GAAP EARNINGS
DATA:
Net income        $122,843          $128,798          $117,652          $501,106          $480,037
Basic
earnings per      0.28              $0.29             0.27              1.13              1.09
share
Diluted
earnings per      0.28              0.29              0.27              1.13              1.09
share
Return on
average           1.14        %     1.19        %     1.13        %     1.18        %     1.17        %
assets
Return on
average           1.24              1.29              1.23              1.28              1.28
tangible
assets ^(1)
Return on
average           8.94              9.27              8.50              9.06              8.73
stockholders’
equity
Return on
average
tangible          16.61             17.10             15.89             16.80             16.52
stockholders’
equity ^(1)
Efficiency        43.37             40.50             39.15             40.75             40.03
ratio ^(2)
Operating
expenses to       1.39              1.37              1.35              1.40              1.40
average
assets
Interest rate     3.03              3.10              3.35              3.11              3.37
spread
Net interest      3.15              3.17              3.45              3.21              3.46
margin
Effective tax     35.1        %     35.8        %     35.0        %     35.8        %     34.7        %
rate
Shares used
for basic EPS     437,749,264       437,787,688       436,142,347       437,706,702       436,018,938
computation
Shares used
for diluted       437,756,323       437,793,352       436,145,835       437,712,242       436,143,134
EPS
computation
                                                                                                      

      Tangible assets and tangible stockholders’ equity are non-GAAP capital
(1)  measures. Please see the reconciliations of our GAAP and non-GAAP
      capital measures on page 11 of this release.
(2)   We calculate our GAAP efficiency ratio by dividing our operating
      expenses by the sum of our net interest income and non-interest income.
      

                                                           
                               December 31,     September 30,     December 31,
                               2012             2012              2011
Capital Measures:
Book value per share           $12.88           $12.85            $12.73
Tangible book value per        7.26             7.22              7.04
share ^(1)
Stockholders’ equity to        12.81    %       12.80     %       13.24    %
total assets
Tangible stockholders’
equity to tangible assets      7.65             7.62              7.78
^(1)
Tangible stockholders’
equity to tangible assets
excluding accumulated          7.79             7.74              7.95
other comprehensive loss,
net of tax ^(1)
                                                                           

      Tangible assets and tangible stockholders’ equity are non-GAAP capital
(1)  measures. Please see the reconciliations of our GAAP and non-GAAP
      capital measures on page 11 of this release.
      

                                                           
                               December 31,     September 30,     December 31,
                               2012             2012              2011
Regulatory Capital Ratios:
^(1)
New York Community Bank
Leverage capital ratio         8.33     %       8.29     %        8.46     %
Tier 1 risk-based capital      12.50            12.69             12.78
ratio
Total risk-based capital       13.22            13.42             13.42
ratio
New York Commercial Bank
Leverage capital ratio         11.59    %       13.61    %        13.01    %
Tier 1 risk-based capital      16.64            16.85             17.01
ratio
Total risk-based capital       17.24            17.45             17.69
ratio
                                                                           

      The minimum regulatory requirements for classification as a well
(1)  capitalized institution are a leverage capital ratio of 5.00%; a Tier 1
      risk-based capital ratio of 6.00%; and a total risk-based capital ratio
      of 10.00%.
      

Contact:

New York Community Bancorp, Inc.
Investors:
Ilene A. Angarola, 516-683-4420
or
Media:
Kelly Maude Leung, 516-683-4032
 
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