Flagstar Financial (FLG) 8-K Regulation FD Disclosure

New York Community Bancorp, Inc.

Page 1

We are a leading financial institution in the

competitive Metro New York/New Jersey region.

(a)

SNL Financial as of 3/2/09

Exhibit 99.1

New York Community Bancorp, Inc.

Page 2

Our balance sheet reflects superior asset quality

measures.

At or for the Twelve Months Ended 12/31/08

Asset Quality:

NYB

SNL Bank & Thrift Index

(a)

NCOs / average loans

0.029%

1.64%

NPLs / total loans

0.51%

1.84%

NPAs / total assets

0.35%

1.53%

(a)

SNL Financial as of 3/2/09

New York Community Bancorp, Inc.

Page 3

The quality of our loan portfolio has consistently

exceeded that of our industry.

SNL Bank & Thrift Index

(a)

NYB

(a)

SNL Financial as of 3/2/09

New York Community Bancorp, Inc.

Page 4

Net Charge-offs / Average Loans

NYB Net charge-offs:

--

$236,000

$21,000

$420,000

$6.1 million

(a)

SNL Financial as of 3/2/09

$431,000

We continue to be distinguished by our low level of

net charge-offs.

SNL Bank & Thrift Index

(a)

NYB

New York Community Bancorp, Inc.

Page 5

For

the

five

years

ended

12/31/93

–

at

the

height

of

the

last

credit crisis –

NCOs represented 0.18% of average loans.

For the Twelve Months Ended December 31,

1989

1990

1991

1992

1993

2008

NPLs

/ Total Loans

1.46%

2.48%

2.10%

2.42%

1.23%

0.51%

NCOs / Average Loans

0.00%

0.00%

0.04%

0.07%

0.06%

0.03%

Difference

146 bp

248 bp

206 bp

235 bp

117 bp

48 bp

New York Community Bancorp, Inc.

Page 6

While NPLs

have increased in the wake of the economic crisis,

they represent a nominal percentage of our loan portfolio.

Loan Type

Non-Performing Loans

as a Percent of Total Loans at

December 31, 2008

Multi-family

0.24%

Commercial real estate

0.06

Acquisition, development, and construction

0.11

Commercial and industrial

0.05

One-

to four-family

0.05

Total loan portfolio

0.51%

New York Community Bancorp, Inc.

Page 7

Our

operating

efficiency

ratio

was

35.94%

(a)

in

4Q

2008,

well

below

the

SNL

Bank

and

Thrift

Index

efficiency

ratio

of

70.41%.

(b)

(a)

Please see page 40 for a reconciliation of our GAAP and operating efficiency ratio.

(b)

SNL Financial as of 3/2/09