 Third Quarter 2010 Investor Presentation Exhibit 99.1 * * * * * * * * |
 New York Community Bancorp, Inc. Page 2 Forward-looking Statements and Associated Risk Factors Safe Harbor Provisions of the Private Securities Litigation Reform Act of 1995 This presentation, like many written and oral communications presented by New York Community Bancorp, Inc. and our authorized officers, may contain certain forward-looking statements regarding our prospective performance and strategies within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. We intend such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and are including this statement for purposes of said safe harbor provisions. Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of the Company, are generally identified by use of the words “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” “project,” “seek,” “strive,” “try,” or future or conditional verbs such as “will,” “would,” “should,” “could,” “may,” or similar expressions. Our ability to predict results or the actual effects of our plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results. There are a number of factors, many of which are beyond our control, that could cause actual conditions, events, or results to differ significantly from those described in the forward-looking statements. These factors include, but are not limited to: general economic conditions, either nationally or in some or all of the areas in which we and our customers conduct our respective businesses; conditions in the securities markets and real estate markets or the banking industry; changes in interest rates, which may affect our net income, prepayment penalty income, and other future cash flows, or the market value of our assets, including our investment securities; changes in deposit flows and wholesale borrowing facilities; changes in the demand for deposit, loan, and investment products and other financial services in the markets we serve; changes in our credit ratings or in our ability to access the capital markets; changes in our customer base or in the financial or operating performances of our customers’ businesses; changes in real estate values, which could impact the quality of the assets securing the loans in our portfolio; changes in the quality or composition of our loan or securities portfolios; changes in competitive pressures among financial institutions or from non-financial institutions; the ability to successfully integrate any assets, liabilities, customers, systems, and management personnel we may acquire, including those acquired in the AmTrust Bank and Desert Hills Bank transactions, into our operations and our ability to realize related revenue synergies and cost savings within expected time frames; our use of derivatives to mitigate our interest rate exposure; our ability to retain key members of management; our timely development of new lines of business and competitive products or services in a changing environment, and the acceptance of such products or services by our customers; any breach in performance by the Community Bank under our loss sharing agreements with the FDIC; any interruption or breach of security resulting in failures or disruptions in customer account management, general ledger, deposit, loan, or other systems; any interruption in customer service due to circumstances beyond our control; potential exposure to unknown or contingent liabilities of companies we have acquired or target for acquisition, including those of AmTrust Bank and Desert Hills Bank; the outcome of pending or threatened litigation, or of other matters before regulatory agencies, whether currently existing or commencing in the future; changes in our estimates of future reserves based upon the periodic review thereof under relevant regulatory and accounting requirements; changes in our capital management policies, including those regarding business combinations, dividends, and share repurchases, among others; changes in legislation, regulation, policies, or administrative practices, whether by judicial, governmental, or legislative action, including, but not limited to, the effect of final rules amending Regulation E that prohibit financial institutions from assessing overdraft fees on ATM and one-time debit card transactions without a consumer’s affirmative consent, the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and other changes pertaining to banking, securities, taxation, rent regulation and housing, environmental protection, and insurance, and the ability to comply with such changes in a timely manner; additional FDIC special assessments or required assessment prepayments; changes in accounting principles, policies, practices, or guidelines; environmental conditions that exist or may exist on properties owned by, leased by, or mortgaged to the Company; operational issues stemming from, and/or capital spending necessitated by, the potential need to adapt to industry changes in information technology systems, on which we are highly dependent; the ability to keep pace with, and implement on a timely basis, technological changes; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Department of the Treasury and the Board of Governors of the Federal Reserve System; war or terrorist activities; and other economic, competitive, governmental, regulatory, and geopolitical factors affecting our operations, pricing, and services. For a discussion of these and other risks that may cause actual results to differ from expectations, please refer to our Annual Report on Form 10-K for the year ended December 31, 2009, including the section entitled “Risk Factors,” on file with the U.S. Securities and Exchange Commission (the “SEC”). In addition, it should be noted that we routinely evaluate opportunities to expand through acquisition and frequently conduct due diligence activities in connection with such opportunities. As a result, acquisition discussions and, in some cases, negotiations, may take place at any time, and acquisitions involving cash, debt, or equity securities may occur. Furthermore, the timing and occurrence or non-occurrence of events may be subject to circumstances beyond our control. Readers are cautioned not to place undue reliance on the forward-looking statements contained herein, which speak only as of the date of this presentation. Except as required by applicable law or regulation, we undertake no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made. |
 New York Community Bancorp, Inc. Page 3 We rank among the top 25 bank holding companies in the U.S. With assets of $41.7 billion at 9/30/10, we are the 22nd largest bank holding company in the nation. With deposits of $22.2 billion at 9/30/10 and 277 branches in Metro New York, New Jersey, Ohio, Florida, and Arizona, we rank 24th among the nation’s largest depositories. We rank among the top three thrift depositories in eight attractive markets: Queens, Staten Island, and Long Island in New York; Essex County in New Jersey; Broward and Palm Beach Counties in Florida; greater Cleveland in Ohio; and greater Phoenix in Arizona. With a portfolio of $16.8 billion at the end of September, we are a leading producer of multi-family loans in New York City. With a market cap of $7.3 billion at 10/26/10, we rank 16th among the nation’s publicly traded banks and thrifts. Note: Except as otherwise indicated, all industry data was provided by SNL Financial as of 10/26/10. |
 New York Community Bancorp, Inc. Page 4 We have a consistent business model that focuses on building value while building the Company. (a) Please see page 34 for a reconciliation of our GAAP and operating efficiency ratios. Our total return to shareholders increased at a CAGR of 33.1% from 11/23/93 to 10/26/10. Multi-family Lending $27.4 billion of multi-family loans have been originated since 2000, including $1.5 billion in the first nine months of 2010. Strong Credit Standards/ Superior Asset Quality Net charge-offs represented 0.16% of average loans in the first nine months of 2010, as compared to 2.09% for the SNL Bank and Thrift Index. Efficient Operation Our operating efficiency ratio has consistently ranked in the top 3% of all banks and thrifts, and was 36.12% in 3Q 2010. (a) Growth through Acquisitions We completed ten acquisitions from 2000 to 2010, including our FDIC-assisted acquisitions of AmTrust Bank on December 4, 2009 and Desert Hills Bank on March 26th. |
  3rd Quarter 2010 Performance Highlights * * * * |
 New York Community Bancorp, Inc. Page 6 Our 3Q 2010 performance reflects the merits of our business model. (a) Please see page 36 for a reconciliation of our GAAP and operating earnings. (b) Please see page 37 for a reconciliation of our GAAP and operating non-interest income and our GAAP and operating revenues. (c) Please see page 34 for a reconciliation of our GAAP and operating efficiency ratios. (dollars in thousands, except per share data) |
 New York Community Bancorp, Inc. Page 7 Our balance sheet has been strengthened over the past nine months. |
 New York Community Bancorp, Inc. Page 8 Our asset quality measures continued to compare favorably with those of our industry as a whole. (a) Non-performing loans are defined as non-accrual loans and loans 90 days or more past due but still accruing interest. (b) Non-performing loans exclude covered loans. (c) Non-performing assets exclude covered assets. |
 New York Community Bancorp, Inc. Page 9 (a) Please see page 38 for a reconciliation of our GAAP and non-GAAP capital measures. Our capital strength reflects the growth of our earnings and our ability to access the capital markets. Our dividend has been a significant component of our total return to shareholders since our first year of public life. In October 2010, we declared our 27th consecutive quarterly cash dividend of $0.25 per share. |
  Our Business Model: Growth through Acquisitions * * * * |
 New York Community Bancorp, Inc. Page 11 We have completed 10 acquisitions since 2000. Note: The number of branches indicated reflects the number of branches in our current franchise that stemmed from each transaction. Transaction Type: Savings Bank Commercial Bank Branch FDIC |
 New York Community Bancorp, Inc. Page 12 As a result of our acquisitions, we rank among the top 25 financial institutions in the nation. (in thousands) DEPOSITS Rank Company Total Deposits 1 Bank of America Corporation $977,322,000 2 JPMorgan Chase & Co. 903,138,000 3 Citigroup Inc. 850,095,000 4 Wells Fargo & Company 814,512,000 5 U.S. Bancorp 187,406,000 6 PNC Financial Services Group, Inc. 179,183,000 7 Bank of New York Mellon Corporation 148,981,000 8 SunTrust Banks, Inc. 120,344,178 9 Capital One Financial Corporation 119,212,000 10 BB&T Corporation 106,419,000 11 State Street Corporation 105,034,000 12 Regions Financial Corporation 94,978,000 13 Fifth Third Bancorp 81,362,000 14 KeyCorp 61,418,000 15 Northern Trust Corporation 58,445,800 16 M&T Bank Corporation 48,654,623 17 Huntington Bancshares Incorporated 41,072,371 18 Zions Bancorporation 40,960,140 19 Comerica Incorporated 40,631,000 20 Marshall & Ilsley Corporation 38,201,000 21 Popular, Inc. 27,740,000 22 Synovus Financial Corp. 25,236,225 23 Hudson City Bancorp, Inc. 24,914,621 24 New York Community Bancorp, Inc. 22,227,391 25 City National Corporation 18,413,606 ASSETS Rank Company Total Assets 1 Bank of America Corporation $2,327,811,000 2 JPMorgan Chase & Co. 2,141,595,000 3 Citigroup Inc. 1,983,280,000 4 Wells Fargo & Company 1,220,784,000 5 U.S. Bancorp 290,654,000 6 PNC Financial Services Group, Inc. 260,133,000 7 Bank of New York Mellon Corporation 254,157,000 8 Capital One Financial Corporation 196,933,000 9 SunTrust Banks, Inc. 174,702,690 10 State Street Corporation 172,964,000 11 BB&T Corporation 157,230,000 12 Regions Financial Corporation 133,498,000 13 Fifth Third Bancorp 112,322,000 14 KeyCorp 94,043,000 15 Northern Trust Corporation 80,723,400 16 M&T Bank Corporation 68,246,837 17 Hudson City Bancorp, Inc. 60,616,632 18 Comerica Incorporated 55,004,000 19 Huntington Bancshares Incorporated 53,246,776 20 Marshall & Ilsley Corporation 51,887,000 21 Zions Bancorporation 51,047,776 22 New York Community Bancorp, Inc. 41,706,438 23 Popular, Inc. 40,821,000 24 Synovus Financial Corp. 30,954,761 25 First Horizon National Corporation 25,384,181 Balance sheet data as of 9/30/10. Market data as of 10/26/10. MARKET CAPITALIZATION Rank Company Market Cap 1 JPMorgan Chase & Co. $146,039.8 2 Wells Fargo & Company 135,881.8 3 Citigroup Inc. 121,427.3 4 Bank of America Corporation 113,380.9 5 U.S. Bancorp 45,916.9 6 Bank of New York Mellon Corporation 31,048.6 7 PNC Financial Services Group, Inc. 28,404.0 8 State Street Corporation 20,555.2 9 Capital One Financial Corporation 17,094.7 10 BB&T Corporation 15,605.1 11 SunTrust Banks, Inc. 12,798.8 12 Northern Trust Corporation 12,247.8 13 Fifth Third Bancorp 10,180.5 14 M&T Bank Corporation 8,972.8 15 Regions Financial Corporation 8,138.9 16 New York Community Bancorp, Inc. 7,312.8 17 KeyCorp 7,086.6 18 Comerica Incorporated 6,265.2 19 Hudson City Bancorp, Inc. 6,035.2 20 People's United Financial, Inc. 4,638.9 21 Huntington Bancshares Incorporated 4,026.7 22 Zions Bancorporation 3,797.5 23 Marshall & Ilsley Corporation 3,210.1 24 Cullen/Frost Bankers, Inc. 3,183.2 25 BOK Financial Corporation 3,077.3 |
 New York Community Bancorp, Inc. Page 13 Largely reflecting our acquisition strategy, we currently have 277 locations in five states. Metro New York 157 Branches Ohio 29 Branches New Jersey 52 Branches Florida 25 Branches Arizona 14 Branches |
 New York Community Bancorp, Inc. Page 14 Our FDIC-assisted AmTrust transaction has enhanced our franchise, our balance sheet, and our earnings capacity. AmTrust Transaction Franchise Expansion: Added 29 branches in Ohio, 25 in Florida, and 11 in Arizona Improved Funding Mix: Provided deposits of $8.2 billion in December 2009 Enhanced Liquidity: Provided cash and cash equivalents of $4.0 billion, and $760.0 million of available-for-sale securities Stronger Tangible Capital: Raised $864.9 million through a secondary common stock offering in December to capitalize the acquisition; resulted in a 27% linked-quarter increase in tangible book value per share in 4Q 2009 Meaningful Revenue Growth: The mortgage banking operation generated revenues of $143.5 million in the first nine months of 2010, including $76.5 million in the third quarter. Enhanced Earnings Capacity: Immediately beneficial to our 4Q 2009 earnings; contributed significantly to year-over-year earnings growth in the first nine months of 2010 |
 New York Community Bancorp, Inc. Page 15 Our FDIC-assisted Desert Hills transaction strengthened our franchise in Arizona, as well as our efficiency and product mix. Desert Hills Transaction Franchise Expansion: Added six more branches to our Arizona franchise and increased our deposit market share Greater Efficiency: Three of the six branches acquired were consolidated into neighboring AmTrust branches, resulting in a more efficient franchise. Enhanced Liquidity: Provided cash and cash equivalents of $140.9 million Stronger Tangible Capital: Raised $28.9 million through our DRP to capitalize the acquisition, further enhancing our tangible book value per share Enhanced Product Mix: Provided the opportunity to introduce business banking solutions throughout our Arizona market |
 New York Community Bancorp, Inc. Page 16 We have a meaningful share of deposits in several of the markets we serve. |
 New York Community Bancorp, Inc. Page 17 Total deposits: 32.4% CAGR Core deposits: 38.3% CAGR Demand deposits: 43.4% CAGR (in millions) CDs NOW, MMAs, and Savings Demand deposits Deposits Total Deposits: $12,168 $12,694 $13,236 $14,376 Our deposit growth has been largely acquisition- driven. $22,316 $1,086 $22,227 |
 New York Community Bancorp, Inc. Page 18 (in millions) Non-Covered Loan Portfolio Multi-family CRE All Other Loans (includes loans held for sale) Covered Loan Portfolio Loans Outstanding $1,611 $17,029 $19,653 Total Loans: $677 $6,332 $4,971 Total Originations: (a) $29,447 $20,363 $4,853 While acquisitions have contributed to the growth of our loan portfolio, the bulk of our loan growth has been organic. $22,192 $5,881 $28,393 $4,280 (a) Originations of loans held for sale totaled $888.5 million in 2009 and $6.9 billion in the first nine months of 2010. Multi-family loans: 26.5% CAGR Total loans: 31.0% CAGR $9,761 |
 New York Community Bancorp, Inc. Page 19 As a result of our acquisition of AmTrust’s mortgage banking operation, we have become a leading aggregator of agency-conforming one- to four- family residential loans. Funded 1-4 Family Loan Production YTD Total: $6.9 billion (in millions) Page 19 New York Community Bancorp, Inc. |
  Our Business Model: Multi-family Loan Production * * * * |
 New York Community Bancorp, Inc. Page 21 (in millions) Multi-family Loan Portfolio Multi-family loans have grown at a CAGR of 26.5% since 12/31/99. |
 New York Community Bancorp, Inc. Page 22 (in millions) Commercial Real Estate Loan Portfolio Our commercial real estate loans feature the same structure as our multi-family loans. |
  Our Business Model: Asset Quality * * * * * * |
 New York Community Bancorp, Inc. Page 24 Both historically and currently, we have been distinguished by our low level of net charge-offs. Net Charge-offs / Average Loans NYB SNL Bank and Thrift Index 48-Month Total NYB: 0.17% SNL Bank and Thrift Index: 4.86% 45-Month Total NYB: 0.32% SNL Bank and Thrift Index: 7.25% |
 New York Community Bancorp, Inc. Page 25 The quality of our loan portfolio continues to exceed that of our industry, as it has in the past. NYB SNL Bank and Thrift Index Non-performing Loans / Total Loans (a) (a) Non-performing loans are defined as non-accrual loans and loans 90 days or more past due but still accruing interest. (b) Non-performing loans exclude covered loans. |
 New York Community Bancorp, Inc. Page 26 Historically and currently, few of our non-performing loans have resulted in charge-offs. (a) Non-performing loans are defined as non-accrual loans and loans 90 days or more past due but still accruing interest. (b) Non-performing loans exclude covered loans. At or for the 12 Months Ended December 31, At or for the 3 Months Ended Last Credit Cycle Current Credit Cycle 1990 1991 1992 1993 2007 2008 2009 9/30/2010 NPLs / Total Loans (a)(b) 2.48% 2.10% 2.83% 1.51% 0.11% 0.51% 2.04% 2.35% NCOs / Average Loans 0.00% 0.04% 0.07% 0.06% 0.00% 0.03% 0.13% 0.06% Difference 248 bp 206 bp 276 bp 145 bp 11 bp 48 bp 191 bp 229 bp |
 New York Community Bancorp, Inc. Page 27 The quality of our assets reflects the nature of our multi-family lending niche and our strong underwriting standards. |
 New York Community Bancorp, Inc. Page 28 All the loans acquired in the AmTrust and Desert Hills transactions are covered by FDIC loss sharing agreements, thus mitigating credit risk. (in millions) Total covered assets: $4.5 billion Covered Assets 9/30/10 1-4 Family $4,012.7 Other Loans $461.0 (a) Includes covered OREO as well as covered loans. Percent of total assets: 10.9% OREO $56.9 |
  Our Business Model: Efficiency * * * * * * |
 New York Community Bancorp, Inc. Page 30 Our operating efficiency ratio was 36.12% in 3Q 2010, well below the SNL Bank and Thrift Index efficiency ratio of 59.44%. (a) Please see pages 34 and 35 for a reconciliation of our GAAP and operating efficiency ratios. NYB (a) SNL Bank and Thrift Index NYB Rank Among Public Banks and Thrifts #3 #7 #9 #16 #15 #5 |
  Total Return on Investment * * * * * * |
 New York Community Bancorp, Inc. Page 32 Total Return on Investment NYB (b) (a) SNL Financial (b) Bloomberg As a result of nine stock splits in a span of 10 years, our charter shareholders have 2,700 shares of NYB stock for each 100 shares originally purchased. SNL Bank & Thrift Index (a) We are committed to building value for our investors. |
 New York Community Bancorp, Inc. Page 33 11/1/2010 For More Information |
 New York Community Bancorp, Inc. Page 34 For the Three Months Ended September 30, 2010 June 30, 2010 September 30, 2009 (dollars in thousands) GAAP Operating GAAP Operating GAAP Operating Total non-interest income and net interest income $393,291 $393,291 $374,614 $374,614 $241,432 $241,432 Adjustments: Gain on debt exchange -- (2,441) -- -- -- (5,717) Loss on other-than-temporary impairment of securities -- -- -- -- -- 13,275 Gain on business acquisition -- -- -- (10,780) -- -- Adjusted total non-interest income and net interest income $393,291 $390,850 $374,614 $363,834 $241,432 $248,990 Operating expenses $143,271 $143,271 $133,488 $133,488 $ 90,067 $ 90,067 Adjustments: FDIC special assessment -- -- -- -- -- (801) Acquisition-related expenses -- (2,090) -- (456) -- -- Adjusted operating expenses $143,271 $141,181 $133,488 $133,032 $ 90,067 $ 89,266 Efficiency ratio 36.43% 36.12% 35.63% 36.56% 37.31% 35.85% Reconciliation of GAAP and Operating Efficiency Ratios The following table presents reconciliations of the Company’s GAAP and operating efficiency ratios for the three months ended September 30, 2010, June 30, 2010, and September 30, 2009. |
 New York Community Bancorp, Inc. Page 35 Reconciliation of GAAP and Operating Efficiency Ratios The following table presents reconciliations of the Company’s GAAP and operating efficiency ratios for the years ended December 31, 2005, 2006, 2007, 2008, and 2009. For the Years Ended December 31, 2009 2008 2007 2006 2005 (dollars in thousands) GAAP Operating GAAP Operating GAAP Operating GAAP Operating GAAP Operating Total net interest income and non-interest income $1,062,964 $1,062,964 $691,024 $691,024 $727,622 $727,622 $650,556 $650,556 $693,068 $693,068 Adjustments: Gain on debt repurchases and exchange -- (10,054) -- -- -- -- -- -- -- -- Gain on AmTrust transaction -- (139,607) -- -- -- -- -- -- -- -- Gain on termination of servicing hedge -- (3,078) -- -- -- -- -- -- -- -- Visa-related gain -- -- -- (1,647) -- -- -- -- -- -- Net gain on sale of securities -- -- -- -- -- (1,888) -- -- -- -- Loss on mark-to-market of interest rate swaps -- -- -- -- -- -- -- 6,071 -- -- (Gain) loss on debt redemption -- -- -- (16,962) -- 1,848 -- 1,859 -- -- Loss on other-than-temporary impairment of securities -- 96,533 -- 104,317 -- 56,958 -- -- -- -- Balance sheet repositioning charge -- -- -- 39,647 -- -- -- -- -- -- Gain on sale of bank-owned property / branches -- -- -- -- -- (64,879) -- -- -- -- Adjusted total net interest income and non- interest income $1,062,964 $1,006,758 $691,024 $816,379 $727,622 $719,661 $650,556 $658,486 $693,068 $693,068 Operating expenses $384,003 $384,003 $320,818 $320,818 $299,575 $299,575 $256,362 $256,362 $236,621 $236,621 Adjustments: FDIC special assessment -- (14,753) -- -- -- -- -- -- -- -- Acquisition-related costs -- (5,185) -- -- -- -- -- -- -- -- Merger-related charge -- -- -- -- -- (2,245) -- (5,744) -- (36,588) VISA litigation charge -- -- -- (3,365) -- (1,000) -- -- -- -- Retirement charge -- -- -- -- -- -- -- (3,072) -- -- Adjusted operating expenses $384,003 $364,065 $320,818 $317,453 $299,575 $296,330 $256,362 $247,546 $236,621 $200,033 Efficiency ratio 36.13% 36.16% 46.43% 38.89% 41.17% 41.18% 39.41% 37.59% 34.14% 28.86% |
 New York Community Bancorp, Inc. Page 36 The following table presents reconciliations of the Company’s GAAP and operating earnings for the three months ended September 30, 2010, June 30, 2010, and September 30, 2009. Reconciliation of GAAP and Operating Earnings For the Three Months Ended September 30, June 30, September 30, (in thousands, except per share data) 2010 2010 2009 GAAP Earnings $135,609 $136,258 $ 98,573 Adjustments to GAAP earnings: Gain on debt repurchases/exchange (2,441) -- (5,717) Acquisition-related costs 2,090 456 -- Gain on business acquisition -- (10,780) -- Loss on OTTI of securities -- -- 13,275 FDIC special assessment -- -- 801 Resolution of tax audits -- -- (13,316) Income tax effect (838) 4,008 (3,401) Operating earnings $134,420 $129,942 $ 90,215 Diluted GAAP Earnings per Share $0.31 $ 0.31 $ 0.28 Adjustments to diluted GAAP earnings per share: Gain on debt repurchases/exchange -- -- (0.01) Acquisition-related costs -- -- -- Gain on business acquisition -- (0.01) -- Loss on OTTI of securities -- -- 0.02 FDIC special assessment -- -- -- Resolution of tax audits -- -- (0.04) Diluted operating earnings per share $0.31 $ 0.30 $ 0.26 |
 New York Community Bancorp, Inc. Page 37 The following table presents reconciliations of the Company’s GAAP and operating non-interest income and its GAAP and operating revenues for the three months ended September 30, 2010, June 30, 2010, and September 30, 2009. Reconciliation of GAAP and Operating Non-Interest Income and GAAP and Operating Revenues For the Three Months Ended September 30, 2010 June 30, 2010 September 30, 2009 (in thousands) GAAP Operating GAAP Operating GAAP Operating Non-interest income $107,103 $107,103 $ 80,413 $ 80,413 $ 15,072 $ 15,072 Exclude: Gain on debt repurchases/exchange -- (2,441) -- -- -- (5,717) Gain on business acquisition -- -- -- (10,780) -- -- Add back: Loss on OTTI of securities -- -- -- -- -- 13,275 Adjusted non-interest income $107,103 $104,662 $ 80,413 $ 69,633 $ 15,072 $ 22,630 Net interest income $286,188 $286,188 $294,201 $294,201 $226,360 $226,360 Revenues $393,291 $390,850 $374,614 $363,834 $241,432 $248,990 |
 New York Community Bancorp, Inc. Page 38 Reconciliation of GAAP and Non-GAAP Capital Measures September 30, June 30, September 30, (dollars in thousands) 2010 2010 2009 Total stockholders’ equity $ 5,495,298 $ 5,446,434 $ 4,340,539 Less: Goodwill (2,436,325) (2,436,327) (2,436,401) Core deposit intangibles (85,407) (93,226) (71,205) Tangible stockholders’ equity $ 2,973,566 $ 2,916,881 $ 1,832,933 Total assets $41,706,438 $42,010,747 $32,884,468 Less: Goodwill (2,436,325) (2,436,327) (2,436,401) Core deposit intangibles (85,407) (93,226) (71,205) Tangible assets $39,184,706 $39,481,194 $30,376,862 Stockholders’ equity to total assets 13.18% 12.96% 13.20% Tangible stockholders’ equity to tangible assets 7.59% 7.39% 6.03% Tangible stockholders’ equity $2,973,566 $2,916,881 $1,832,933 Accumulated other comprehensive loss, net of tax 35,611 52,805 68,394 Adjusted tangible stockholders’ equity $3,009,177 $2,969,686 $1,901,327 Tangible assets $39,184,706 $39,481,194 $30,376,862 Accumulated other comprehensive loss, net of tax 35,611 52,805 68,394 Adjusted tangible assets $39,220,317 $39,533,999 $30,445,256 Adjusted tangible stockholders’ equity to adjusted tangible assets 7.67% 7.51% 6.25% The following table presents reconciliations of the Company’s stockholders’ equity, tangible stockholders’ equity, and adjusted tangible stockholders’ equity; total assets, tangible assets, and adjusted tangible assets; and the related capital measures at September 30, 2010, June 30, 2010, and September 30, 2009. |