Flagstar Financial (FLG) 8-K Regulation FD Disclosure

New York Community Bancorp, Inc.

Page 1

Net Charge-offs / Average Loans

NYB Net charge-offs:

$236,000

$21,000

$420,000

$6.1 million

$431,000

We continue to be distinguished by our low level of

net charge-offs.

NYB

SNL Bank and Thrift Index

(a)

$5.1 million

(a)

SNL Financial as of 6/8/09

Exhibit 99.1

New York Community Bancorp, Inc.

Page 2

The quality of our loan portfolio has consistently

exceeded that of our industry.

NYB

SNL Bank and Thrift Index

(a)

(a)

SNL Financial as of 6/8/09

New York Community Bancorp, Inc.

Page 3

Net Charge Offs / Average Loans

NYB

SNL Bank and Thrift Index

(a)

SNL Thrift Index

(a)

Our ratio of NCOs to average loans was significantly

below the industry average from 1990 through 1992.

(a)

SNL Financial as of 6/8/09

New York Community Bancorp, Inc.

Page 4

Non-performing Loans / Total Loans

NYB

SNL Bank and Thrift Index

(a)

SNL Thrift Index

(a)

From 1990 through 1992, our ratio of NPLs

to total

loans was consistently below the industry average.

(a)

SNL Financial as of 6/8/09

New York Community Bancorp, Inc.

Page 5

Net Charge-offs / Loan Loss Allowance

Our charge-offs typically represent a smaller percentage of

our loan loss allowance compared to our industry peers.

NYB

SNL Bank and Thrift Index

(a)

(a)

SNL Financial as of 6/8/09

New York Community Bancorp, Inc.

Page 6

Our

operating

efficiency

ratio

was

36.63%

(a)

in

1Q

2009,

well

below

the

SNL

Bank

and

Thrift

Index

efficiency

ratio

of

54.46%.

(b)

(a)

Please see page 33 for a reconciliation of our GAAP and operating efficiency ratios.

(b)

SNL Financial as of 6/8/09

NYB

(a)

SNL Bank and Thrift Index

(b)

New York Community Bancorp, Inc.

Page 7

Our asset quality measures continued to exceed

those of our industry peers.

At or for the Three Months Ended 3/31/09

Asset Quality:

NYB

SNL Bank & Thrift Index

(a)

NCOs / average loans

0.02%

0.55%

NPLs

/ total loans

0.79%

2.53%

NPAs

/ total assets

0.55%

1.99%

NCOs / loan loss allowance

5.37%

20.71%

(a)

SNL Financial as of 6/8/09