8-K

0001193125-20-017660.txt : 20200129 0001193125-20-017660.hdr.sgml : 20200129 20200129073524 ACCESSION NUMBER: 0001193125-20-017660 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20200129 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200129 DATE AS OF CHANGE: 20200129 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NEW YORK COMMUNITY BANCORP INC CENTRAL INDEX KEY: 0000910073 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 061377322 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-31565 FILM NUMBER: 20556377 BUSINESS ADDRESS: STREET 1: 615 MERRICK AVE CITY: WESTBURY STATE: NY ZIP: 11590 BUSINESS PHONE: 7183596400 MAIL ADDRESS: STREET 1: 615 MERRICK AVE CITY: WESTBURY STATE: NY ZIP: 11590 FORMER COMPANY: FORMER CONFORMED NAME: QUEENS COUNTY BANCORP INC DATE OF NAME CHANGE: 19930802 8-K 1 d878772d8k.htm 8-K 8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 29, 2020

NEW YORK COMMUNITY BANCORP, INC.

(Exact name of registrant as specified in its charter)

Delaware

1-31565

06-1377322

(State or other jurisdiction of

incorporation or organization)

Commission

File Number

(I.R.S. Employer

Identification No.)

615 Merrick Avenue, Westbury, New York 11590

(Address of principal executive offices)

(516) 683-4100

(Registrant’s telephone number, including area code)

Not applicable

(Former name or former address, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading symbol(s)	Name of each exchange on which registered
Common Stock, $0.01 par value per share	NYCB	New York Stock Exchange
Bifurcated Option Note Unit SecuritiES^SM	NYCB PU	New York Stock Exchange
Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value	NYCB PR A	New York Stock Exchange

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (Section 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (Section 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

CURRENT REPORT ON FORM 8-K

ITEM 2.02:

Results of Operations and Financial Condition

On January 29, 2020, New York Community Bancorp, Inc. (the “Company”) issued a news release reporting its financial results for the three and twelve months ended December 31, 2019. A copy of the news release is attached as Exhibit 99.1 to this report.

ITEM 8.01:

Other Events

On January 29, 2020, the Company announced that its Board of Directors declared a $0.17 per diluted common share dividend, payable on February 24, 2020 to shareholders of record as of February 10, 2020.

ITEM 9.01:

Financial Statements and Exhibits

(d)

Attached as Exhibit 99.1 is the news release issued by the Company on January 29, 2020 to report its financial results for the three and twelve months ended December 31, 2019.

EXHIBIT INDEX


Exhibit Number		Description

	Exhibit 99.1	News release issued by the Company on January 29, 2020.

	Exhibit 104	Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


Date: January 29, 2020						NEW YORK COMMUNITY BANCORP, INC.

						/s/ Salvatore J. DiMartino
						Salvatore J. DiMartino
						Managing Director
						Director, Investor Relations and Strategic Planning

EX-99.1 2 d878772dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

New York Community Bancorp, Inc. Reports Fourth Quarter 2019 Diluted Earnings Per Common Share Of $0.20 On Strong Loan Growth And A Higher Net Interest Margin

BOARD OF DIRECTORS DECLARES A $0.17 DIVIDEND PER COMMON SHARE

WESTBURY, N.Y., Jan. 29, 2020 /PRNewswire/ --

Fourth Quarter and Full-Year 2019 Summary

•

Earnings:

•

Net income for the fourth quarter of 2019 totaled $101.2 million compared to $99.0 million for the third quarter of 2019.

•

Net income available to common shareholders for the fourth quarter of 2019 was $93.0 million or $0.20 per common share, compared to $90.8 million for the third quarter of 2019, or $0.19 per common share.

•

Non-interest expenses were $126.1 million, compared to $123.3 million in the previous quarter; the efficiency ratio was 48.51%.

•

Return on average assets was 0.77% for the quarter while return on average common stockholders’ equity was 6.01%.⁽¹⁾

•

Return on average tangible assets was 0.81% for the quarter, while return on average tangible common stockholders’ equity was 9.89%. ^{(1) (2)}

•

Balance Sheet:

•

Total assets were $53.6 billion, up 3% compared to December 31, 2018 and up 8% on an annualized basis compared to the third quarter of 2019.

•

Total loans held for investment increased $1.7 billion to $41.9 billion or 4% on a year-over-year basis and $1.0 billion compared to the third quarter of 2019.

•

The multi-family portfolio rebounded strongly compared to the previous quarter, increasing $892.7 million and $1.3 billion or 4% on a year-over-year basis to $31.2 billion.

•

Our specialty finance business had another strong quarter and an outstanding year as that portfolio increased $690.3 million or 36% on a year-over-year basis to $2.6 billion.

•

Total deposits of $31.7 billion were relatively unchanged compared to the prior quarter and were up $892.7 million or 3% compared to December 31, 2018.

•

Net Interest Income/Margin:

•

Net interest income in the fourth quarter increased $6.6 million or 3% to $242.5 million compared to the third quarter of 2019.

•

The net interest margin for the fourth quarter was 2.04%, up 5 basis points compared to the third quarter 2019 net interest margin, driven primarily by lower funding costs.

•

Prepayment income rose 26% to $17.9 million during the fourth quarter compared to the third quarter 2019.

•

Prepayment income added 14 basis points to this quarter’s net interest margin compared to 11 basis points in the previous quarter.

•

Asset Quality:

•

Non-performing assets totaled $73.5 million or 0.14% of total assets; non-performing loans were $61.2 million or 0.15% of total loans.

•

Combined net charge-offs in the multi-family and CRE portfolios were $659,000 or 0.00% of average loans.

•

Weighted average LTV for our rent-regulated multi-family portfolio was 56.86%.

•

Capital Position at December 31, 2019:

•

Common Equity Tier 1 Capital Ratio was 9.91%.

•

Tier 1 Risk-Based Capital Ratio was 11.22%.

•

Total Risk-Based Capital Ratio was 13.27%.

•

Leverage Capital Ratio was 8.66%.

(1)	Return on average assets and on average tangible assets are calculated using net income. Return on average common stockholders’ equity and on average tangible common stockholders’ equity are calculated using net income available to common shareholders.

(2)	“Tangible assets” and “tangible common stockholders’ equity” are non-GAAP financial measures. See the discussion and reconciliations of these non-GAAP measures with the comparable GAAP measures on page 9 of this release.

New York Community Bancorp, Inc. (NYSE: NYCB) (the “Company”) today reported net income for the three months ended December 31, 2019 of $101.2 million, up 2% from the $99.0 million reported for the three months ended September 30, 2019 and down modestly compared to the $101.7 million reported for the three months ended December 31, 2018. For the twelve months ended December 31, 2019, the Company reported net income of $395.0 million, compared to the $422.4 million the Company reported for the twelve months ended December 31, 2018.

Net income available to common shareholders for the fourth quarter of 2019 totaled $93.0 million, up $2.1 million or 2% compared to $90.8 million reported in the third quarter of 2019 and down 1% compared to $93.5 million for the fourth quarter of 2018. For the twelve months ended December 31, 2019, the Company reported net income available to common shareholders of $362.2 million, compared to the twelve months ended December 31, 2018.

On a per share basis, the Company reported diluted earnings per share for fourth quarter 2019 of $0.20, up 5% compared to the $0.19 it reported in both the third quarter of 2019 and the fourth quarter of 2018. For full-year 2019, the Company reported diluted earnings per share of $0.77 versus $0.79 for full-year 2018.

Commenting on the Company’s 2019 performance, President and Chief Executive Officer Joseph R. Ficalora stated: “We are pleased with our fourth quarter performance. In many ways, it was the strongest quarter of the year for us and evidences the resiliency of our business model. We were particularly encouraged by the strong rebound in origination activity, which led to solid loan growth during the quarter, as well as the linked-quarter improvement in net interest income and margin. This quarter marks a significant inflection point for the Company in terms of improved fundamentals and we believe it also sets the stage for continued loan growth and margin expansion throughout 2020.

“The loan portfolio increased 4% on a year-over-year basis, in-line with our expectations. This loan growth was driven by growth in both our multi-family and specialty finance portfolios. We also witnessed a rebound in origination volumes during the quarter. In fact, combined, multi-family/CRE originations during the current quarter were the highest level in two years.

“We also saw the net interest margin turn around during the fourth quarter, as it rose five basis points compared to the third quarter, leading to higher net interest income. This was driven by a decline in our overall funding costs and marks the first time since the fourth quarter of 2015 that net interest income and the margin increased. We expect both of these measures to improve throughout the year given our liability sensitive balance sheet, the Federal Reserve’s current stance on interest rates, and the significant repricing opportunities within our CD portfolio and wholesale borrowings.

“On the asset quality side, our overall metrics continue to be very strong and remain among the best in the industry. Importantly, we are now six months into the new rent regulation laws in New York State and to date, we are still not seeing any negative asset quality trends in the rent-regulated segment of our multi-family loan portfolio.”

DIVIDEND DECLARATION

Reflecting our earnings, asset quality metrics, and strong capital position, the Board of Directors yesterday declared a quarterly cash dividend of $0.17 per share on the Company’s common stock. Based on a closing price of $11.73 as of January 28, 2020, this represents an annualized dividend yield of 5.8%. The dividend is payable on February 24, 2020 to common shareholders of record as of February 10, 2020.

BALANCE SHEET SUMMARY

At December 31, 2019, total assets were $53.6 billion, up $1.1 billion compared to total assets at September 30, 2019, or 8% on an annualized basis. The primary driver of the sequential growth was an increase in our loan portfolio, driven by multi-family and commercial and industrial (“C&I”) loans. This was partially offset by a 13% decline in our cash and cash equivalents, while the securities portfolio remained unchanged. The balance sheet growth during the fourth quarter of 2019 was funded largely through additional wholesale borrowings, while total deposits were up modestly.

On a year-to-date basis, total assets rose $1.7 billion or 3% compared to total assets at December 31, 2018. Similar to the trends in the fourth quarter, our year-over-year growth was driven by 4% growth in the loan portfolio, as well as 4% growth in total securities. The loan growth was funded by deposit growth, mainly through certificates of deposits (“CDs”), which increased 17% year-over-year, growth in wholesale borrowings, which rose 3%, and, by a 50% decrease in cash and cash equivalents.

Total loans held for investment increased $1.0 billion compared to September 30, 2019. As has been the case throughout the year, loan growth occurred in two main areas, our core multi-family portfolio and our specialty finance portfolio, which is part of the C&I portfolio. On a year-to-date basis, total loans held for investment increased $1.7 billion or 4%, in-line with our projection at the end of 2018.

Total securities, consisting mainly of available-for-sale securities, remained unchanged compared to the previous quarter of 2019, but increased $241.8 million or 4% to $5.9 billion compared to December 31, 2018. Most of this growth occurred in the first half of 2019.

Total deposits of $31.7 billion were also relatively unchanged compared to the previous quarter, but increased $892.7 million or 3% compared to December 31, 2018.

Borrowed funds increased 27% on an annualized basis to $14.6 billion compared to the previous quarter and 2% compared to December 31, 2018.

Loans

Total loans, net at December 31, 2019 were $41.7 billion, up $1.1 billion compared to September 30, 2019 and up $1.7 billion, or 4% compared to the balance at December 31, 2018. On an average basis, average total loans held for investment were $40.7 billion, down modestly on a linked-quarter basis, but up $893.6 million or 2% on a year-over-year basis. For the twelve months ended December 31, 2019, average total loans for investment were $40.4 billion, up $1.3 billion or 3% compared to the twelve months ended December 31, 2018. Both the year-over-year and linked quarter increase in the loan portfolio were the result of growth in the multi-family portfolio, the specialty finance portfolio, and the commercial real estate (“CRE”) portfolio.

Multi-family loans increased $1.3 billion or 4% to $31.2 billion at December 31, 2019 compared to December 31, 2018 and rose $892.7 million compared to September 30, 2019. This was partially driven by a strong rebound in origination volumes during the current fourth quarter relative to both the previous quarter and the year-ago quarter. CRE loans rose $83.5 million or 1% to $7.1 billion at December 31, 2019 compared to December 31, 2018 and $96.3 million compared to September 30, 2019.

C&I loans increased $640.5 million or 27% to $3.0 billion at December 31, 2019 relative to December 31, 2018 and $173.4 million compared to September 30, 2019. The largest component of the C&I portfolio are our specialty finance loans. The specialty finance portfolio increased $690.3 million or 36% to $2.6 billion at December 31, 2019 compared to December 31, 2018 and $200.4 million compared to September 30, 2019.

On an average basis, average multi-family loans decreased $203.8 million to $30.2 billion, down 3% annualized compared to the prior quarter, while average CRE loans increased $87.6 million to $7.0 billion or 5% annualized, and the average specialty finance portfolio grew $102.6 million to $2.6 billion, up 17% annualized.

The average loan size for multi-family loans during the current fourth quarter was $6.4 million and for CRE loans it was $6.6 million, both relatively unchanged compared to the previous quarter. The average weighted life of the multi-family portfolio was 2.0 years and for the CRE portfolio, it was 2.3 years, both also in-line with the prior quarter.

Originations

Origination activity rebounded strongly during the final quarter of 2019. The combined multi-family/CRE originations were the highest level since the fourth quarter of 2017.

For the three months ended December 31, 2019, the Company originated $3.3 billion in loans, up 45% compared to the three months ended September 30, 2019 and up 54% compared to the three months ended December 31, 2018. On a year-over-year basis, total originations for the twelve months ended December 31, 2019 were $10.6 billion, up 5% compared to the twelve months ended December 31, 2018.

During the fourth quarter, multi-family originations totaled $2.0 billion, up 69% and 56% compared to the previous quarter and the year-ago fourth quarter, respectively. CRE originations totaled $326.8 million, up 6% and 40%, respectively, while specialty finance originations were up 25% and 52%, respectively, or $161.3 million and $275.1 million, respectively.

In full-year 2019, we originated $6.0 billion of multi-family loans, down 10% compared to full-year 2018; $1.2 billion of CRE loans, up 27%; and $2.8 billion of specialty finance loans, up 46%.

In addition to the strong origination activity during the fourth quarter of 2019, the Company also opportunistically repurchased $770.8 million of primarily multi-family loans it previously originated and participated out to other financial institutions. These loans were originally sold by the Company in order to stay under the SIFI threshold at that time.

Pipeline

Our loan pipeline heading into 2020 is very solid. The pipeline currently stands at $1.5 billion, of which 66% is new money. The pipeline includes $1.1 billion in multi-family loans, $155 million in CRE loans, and $226 million in specialty finance loans and leases.

Funding

Deposits

Total deposits at December 31, 2019 were $31.7 billion, up $892.7 million compared to December 31, 2018 and up $85.0 million or 1% on an annualized basis compared to the previous quarter. The year-over-year growth was led in large part by growth in CDs. CDs at year-end 2019 totaled $14.2 billion, up $2.0 billion or 17% compared to year-end 2018. However they were down modestly compared to the previous quarter. Interest-bearing checking and money market accounts declined $1.3 billion or 11% compared to December 31, 2018, but rose $269.7 million or 11% on an annualized basis compared to the balance at September 30, 2019.

In 2020, the Company has approximately $14.2 billion of CDs with an average cost of 2.25% that will be maturing and repricing into lower rates.

Borrowed Funds

At December 31, 2019, borrowed funds totaled $14.6 billion, up $349.7 million or 2% compared to December 31, 2018 and up $931.2 million or 27% annualized, compared to the balance as of September 30, 2019. The sequential-quarter increase was primarily used to fund our loan growth during the fourth quarter.

The increase was mostly in our wholesale borrowings, which largely consist of Federal Home Loan Bank of New York advances. Wholesale borrowings rose $349.0 million or 3% compared to December 31, 2018, while they increased $931.0 million on a linked-quarter basis.

The cost of our borrowings declined five basis points on a linked quarter basis to 2.33%. We have approximately $3.7 billion of wholesale borrowings set to mature during 2020 at an average cost of 2.11%.

Asset Quality

Our asset quality remained strong during the fourth quarter of 2019, with total non-performing assets (“NPAs”) at $73.5 million or 14 basis points of total assets. Total non-accrual mortgage loans increased $8.6 million to $22.0 million, somewhat offset by a $3.5 million decrease in other non-accrual loans to $39.3 million. Included in this latter amount is $30.4 million of non-accrual taxi medallion-related loans. The increase in non-accrual mortgage loans was primarily related to one CRE loan.

Total repossessed assets rose a modest $577,000 to $12.3 million on a linked-quarter basis. Included in this amount is $10.3 million of repossessed taxi medallions. As of December 31, 2019, our remaining taxi medallion-related loans totaled $55.0 million compared to $61.0 million at September 30, 2019.

Net charge-offs for the fourth quarter of 2019 declined $3.0 million to $3.5 million on a linked quarter basis or 0.01% of average loans. For full year 2019, net charge-offs totaled $19.3 million or 0.05% of average loans compared to $16.5 million or 0.04% of average loans in full year 2018.

The rent-regulated portion of our multi-family loan portfolio totaled $18.7 billion or 60.0% of the overall multi-family portfolio. Credit trends remained strong in this segment of the portfolio. The weighted average LTV for the overall multi-family portfolio was 56.86% at December 31, 2019 and the weighted average LTV for the rent-regulated portion of the portfolio was 53.17%, 369 basis points less than the overall multi-family portfolio.

EARNINGS SUMMARY FOR THE THREE AND TWELVE MONTHS ENDED DECEMBER 31, 2019

Net Interest Income

Net interest income for the three months ended December 31, 2019 increased $6.6 million to $242.5 million or 11% annualized compared to the previous quarter, but was down 2% compared to the fourth quarter of last year. Total interest income in the current fourth quarter declined 3% annualized on a linked quarter basis, but rose 2% on a year-over-year basis. Total interest expense during the fourth quarter dropped $10.4 million or 19% annualized compared to the third quarter of 2019, while it rose 6% compared to the year-ago quarter.

On a year-to-date basis, net interest income declined $73.6 million or 7% to $957.4 million. Total interest income rose $115.5 million or 7% for the twelve months ended December 31, 2019, while total interest expense rose $189.1 million or 29% for the same time period.

Net Interest Margin

The net interest margin (“NIM”) for the fourth quarter of 2019 was 2.04%, up five basis points compared to the third quarter of 2019 NIM and was down five basis points relative to the year-ago NIM. The fourth quarter yield on average interest-earning assets declined four basis points to 3.78% on a linked-quarter basis, mainly due to a lower yield on the securities portfolio, but was more than offset by a 10 basis point sequential decline in the overall cost of funds to 1.94%.

Prepayment income for the fourth quarter of 2019 totaled $17.9 million up 26% sequentially and up 89% year-over-year. Prepayment income contributed 14 basis points to this quarter’s NIM, up three basis points from the previous quarter and up nine basis points from the year-ago quarter. Excluding the impact from prepayment income, the fourth quarter NIM, on a non-GAAP basis, would have been 1.90%, up two basis points and in-line with expectations.

For the twelve months ended December 31, 2019, the NIM was 2.02%, down 23 basis points compared to the twelve months ended December 31, 2018. The yield on average interest-earning assets rose 12 basis points to 3.80%, while the cost of funds increased by 39 basis points to 2.01%.

Prepayment income for the twelve months ended December 31, 2019 totaled $54.2 million, up 9% relative to prepayment income for the twelve months ended December 31, 2018. Prepayment income added 12 basis points to the full-year 2019 NIM compared to 11 basis points to the full-year 2018 NIM. Excluding the impact from prepayment income, the full-year 2019 NIM, on a non-GAAP basis, would have been 1.90%, down 24 basis points compared to full-year 2018.

Provision for Loan Losses

In the fourth quarter of 2019, the Company reported a provision for loan losses of $1.7 million compared to a provision for loan losses of $4.8 million in the previous quarter and a provision for loan losses of $2.8 million in the year-ago quarter.

On a year-to-date basis, the provision for loan losses was $7.1 million, down $11.2 million or 61% compared to the $18.3 million in 2018. This was due to a lower amount of taxi medallion-related charge-offs in 2019 compared to 2018.

Non-Interest Income

For the three months ended December 31, 2019, non-interest income totaled $17.5 million, down $6.9 million compared to the previous quarter and down $5.6 million compared to the year-ago fourth quarter. Included in the prior quarter of 2019 was a $7.9 million gain on the sale-leaseback of a branch property in Florida. Included in the year-ago quarter was $4.6 million of revenue related to our former wealth management business, Peter B. Cannell & Co., Inc. which was divested in the first quarter of 2019.

For the twelve months ended December 31, 2019, non-interest income totaled $84.2 million, down $7.3 million or 8% compared to the $91.6 million for the twelve months ended December 31, 2018. Included in the full-year 2018 amount was revenue of $20.3 million related to the aforementioned wealth management business, versus no such revenue in full-year 2019. Also included in the full-year 2019 period were net gains on securities of $7.7 million compared to a net loss on securities of $2.0 million in full-year 2018 and the previously discussed branch sale-leaseback gain compared to no such gains in full-year 2018.

Non-Interest Expense

Total non-interest expense for the three months ended December 31, 2019 was $126.1 million compared to $123.3 million in the prior quarter and $134.9 million in the year-ago quarter. The prior quarter included approximately $1.4 million in severance costs. For the twelve months ended December 31, 2019, total non-interest expense was $511.2 million versus $546.6 million for the twelve months ended December 31, 2018. In 2019, non-interest expense included $10.4 million of certain items related to severance costs and branch rationalization costs.

The efficiency ratio for the current fourth quarter was 48.51% compared to 47.37% during the previous quarter and 49.92% during the year-ago quarter.

Income Taxes

Income tax expense for the three months ended December 31, 2019 was $31.0 million compared to $33.2 million in the previous quarter and $30.9 million in the year-ago quarter. This translates into an effective tax rate of 23.43% for the current quarter compared to 25.09% in the previous quarter and 23.27% in the year-ago quarter.

For full-year 2019, income tax expense totaled $128.3 million compared to $135.3 million for full-year 2018. The effective tax rate in 2019 was 24.51% compared to 24.25% in 2018.

About New York Community Bancorp, Inc.

Based in Westbury, NY, New York Community Bancorp, Inc. is a leading producer of multi-family loans on non-luxury, rent-regulated apartment buildings in New York City, and the parent of New York Community Bank. At December 31, 2019, the Company reported assets of $53.6 billion, loans of $41.7 billion, deposits of $31.7 billion, and stockholders’ equity of $6.7 billion.

Reflecting our growth through a series of acquisitions, the Company operates 238 branches through eight local divisions, each with a history of service and strength: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Florida and Arizona.

Post-Earnings Release Conference Call

The Company will host a conference call on Wednesday, January 29, 2020, at 8:30 a.m. (Eastern Time) to discuss its fourth quarter and full-year 2019 performance. The conference call may be accessed by dialing (877) 407-8293 (for domestic calls) or (201) 689-8349 (for international calls) and asking for “New York Community Bancorp” or “NYCB.” A replay will be available approximately three hours following completion of the call through 11:59 p.m. on February 2, 2020 and may be accessed by calling (877) 660-6853 (domestic) or (201) 612-7415 (international) and providing the following conference ID: 13697574. In addition, the conference call will be webcast at ir.myNYCB.com, and archived through 5:00 p.m. on February 26, 2020.

Cautionary Statements Regarding Forward-Looking Information

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, capital levels, 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 such words as “believe,” “expect,” “anticipate,” “intend,” “outlook,” “estimate,” “forecast,” “project,” “should,” 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 obtain the necessary shareholder and regulatory approvals of any acquisitions we may propose; 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.

More information regarding some of these factors is provided in the Risk Factors section of our Form 10-K for the year ended December 31, 2018 and in other SEC reports we file. Our forward-looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC’s website, www.sec.gov.

- Financial Statements and Highlights Follow -

NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED STATEMENTS OF CONDITION


	December 31,			December 31,
	2019			2018
(in thousands, except share data)	(unaudited)
Assets
Cash and cash equivalents	$	741,870		$	1,474,955
Securities:
Available-for-sale		5,853,057			5,613,520
Equity investments with readily determinable fair values, at fair value		32,830			30,551

Total securities		5,885,887			5,644,071
Mortgage loans held for investment:
Multi-family		31,182,079			29,904,063
Commercial real estate		7,084,499			7,000,990
One-to-four family		380,684			446,413
Acquisition, development, and construction		200,464			407,875

Total mortgage loans held for investment		38,847,726			37,759,341
Other loans:
Commercial and industrial		3,038,297			2,397,784
Other loans		8,132			8,783

Total other loans held for investment		3,046,429			2,406,567

Total loans held for investment		41,894,155			40,165,908
Less: Allowance for loan losses		(147,638	)		(159,820	)

Loans held for investment, net		41,746,517			40,006,088

Total loans, net		41,746,517			40,006,088
Federal Home Loan Bank stock, at cost		647,562			644,590
Premises and equipment, net		312,626			346,179
Operating lease right-of-use assets		286,194			—
Goodwill		2,426,379			2,436,131
Other assets		1,593,786			1,347,362

Total assets	$	53,640,821		$	51,899,376

Liabilities and Stockholders’ Equity
Deposits:
Interest-bearing checking and money market accounts	$	10,230,144		$	11,530,049
Savings accounts		4,780,007			4,643,260
Certificates of deposit		14,214,858			12,194,322
Non-interest-bearing accounts		2,432,123			2,396,799

Total deposits		31,657,132			30,764,430

Borrowed funds:
Wholesale borrowings		13,902,661			13,553,661
Junior subordinated debentures		359,866			359,508
Subordinated notes		295,066			294,697

Total borrowed funds		14,557,593			14,207,866
Operating lease liabilities		285,991			—
Other liabilities		428,411			271,845

Total liabilities		46,929,127			45,244,141

Stockholders’ equity:
Preferred stock at par $0.01 (5,000,000 shares authorized):
Series A (515,000 shares issued and outstanding)		502,840			502,840
Common stock at par $0.01 (900,000,000 shares authorized; 490,439,070 and 490,439,070 shares issued; and 467,346,781 and 473,536,604 shares outstanding, respectively)		4,904			4,904
Paid-in capital in excess of par		6,115,487			6,099,940
Retained earnings		342,023			297,202
Treasury stock, at cost (23,092,289 and 16,902,466 shares, respectively)		(220,717	)		(161,998	)
Accumulated other comprehensive loss, net of tax:
Net unrealized gain (loss) on securities available for sale, net of tax		31,482			(10,534	)
Net unrealized loss on the non-credit portion of other-than-temporary impairment losses, net of tax		(6,042	)		(6,042	)
Pension and post-retirement obligations, net of tax		(59,136	)		(71,077	)
Net unrealized gain on cash flow hedges, net of tax		853			—

Total accumulated other comprehensive loss, net of tax		(32,843	)		(87,653	)

Total stockholders’ equity		6,711,694			6,655,235

Total liabilities and stockholders’ equity	$	53,640,821		$	51,899,376

NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME

(unaudited)


	For the Three Months Ended								For the Twelve Months Ended
	Dec. 31,			Sep. 30,		Dec. 31,			Dec. 31,		Dec. 31,
(in thousands, except per share data)	2019			2019		2018			2019		2018
Interest Income:
Mortgage and other loans	$	393,660		$	391,920	$	375,307		$	1,553,004	$	1,467,944
Securities and money market investments		57,023			62,631		67,565			252,156		221,729

Total interest income		450,683			454,551		442,872			1,805,160		1,689,673

Interest Expense:
Interest-bearing checking and money market accounts		33,951			42,465		48,726			174,347		167,972
Savings accounts		9,435			9,326		7,818			35,705		28,994
Certificates of deposit		84,874			86,934		61,085			320,234		182,383
Borrowed funds		79,953			79,911		78,007			317,474		279,329

Total interest expense		208,213			218,636		195,636			847,760		658,678

Net interest income		242,470			235,915		247,236			957,400		1,030,995
Provision for losses on loans		1,702			4,781		2,770			7,105		18,256

Net interest income after provision for loan losses		240,768			231,134		244,466			950,295		1,012,739

Non-Interest Income:
Fee income		7,002			7,580		7,709			29,297		29,765
Bank-owned life insurance		8,118			6,791		7,828			28,363		28,252
Net (loss) gain on securities		(30	)		275		(1,184	)		7,725		(1,994	)
Other income		2,372			9,740		8,720			18,845		35,535

Total non-interest income		17,462			24,386		23,073			84,230		91,558

Non-Interest Expense:
Operating expenses:
Compensation and benefits		72,525			75,159		74,924			301,697		317,496
Occupancy and equipment		22,575			21,748		25,796			89,174		100,107
General and administrative		30,997			26,395		34,226			120,347		129,025

Total non-interest expense		126,097			123,302		134,946			511,218		546,628

Income before income taxes		132,133			132,218		132,593			523,307		557,669
Income tax expense		30,959			33,172		30,854			128,264		135,252

Net Income		101,174			99,046		101,739			395,043		422,417
Preferred stock dividends		8,207			8,207		8,207			32,828		32,828

Net income available to common shareholders	$	92,967		$	90,839	$	93,532		$	362,215	$	389,589

Basic earnings per common share	$	0.20		$	0.19	$	0.19		$	0.77	$	0.79

Diluted earnings per common share	$	0.20		$	0.19	$	0.19		$	0.77	$	0.79

NEW YORK COMMUNITY BANCORP, INC.

RECONCILIATIONS OF CERTAIN GAAP AND NON-GAAP FINANCIAL MEASURES

(unaudited)

While stockholders’ equity, total assets, and book value per share are financial measures that are recorded in accordance with U.S. generally accepted accounting principles (“GAAP”), tangible stockholders’ equity, tangible assets, and tangible book value per share are not. Nevertheless, it is management’s belief that these non-GAAP measures should be disclosed in our earnings releases and other investor communications for the following reasons:

Tangible stockholders’ equity is an important indication of the Company’s ability to grow organically and through business combinations, as well as its ability to pay dividends and to engage in various capital management strategies.

Returns on average tangible assets and average tangible stockholders’ equity are among the profitability measures considered by current and prospective investors, both independent of, and in comparison with, the Company’s peers.

Tangible book value per share and the ratio of tangible stockholders’ equity to tangible assets are among the capital measures considered by current and prospective investors, both independent of, and in comparison with, its peers.

Tangible stockholders’ equity, tangible assets, and the related non-GAAP profitability and capital measures should not be considered in isolation or as a substitute for stockholders’ equity, total assets, or any other profitability or capital 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.

The following table presents reconciliations of our common stockholders’ equity and tangible common stockholders’ equity, our total assets and tangible assets, and the related GAAP and non-GAAP profitability and capital measures at or for the periods indicated:


	At or for the									At or for the
	Three Months Ended									Twelve Months Ended
	Dec. 31,			Sep. 30,			Dec. 31,			Dec. 31,			Dec. 31,
(dollars in thousands)	2019			2019			2018			2019			2018
Total Stockholders’ Equity	$	6,711,694		$	6,695,007		$	6,655,235		$	6,711,694		$	6,655,235
Less: Goodwill		(2,426,379	)		(2,426,379	)		(2,436,131	)		(2,426,379	)		(2,436,131	)
Preferred stock		(502,840	)		(502,840	)		(502,840	)		(502,840	)		(502,840	)

Tangible common stockholders’ equity	$	3,782,475		$	3,765,788		$	3,716,264		$	3,782,475		$	3,716,264
Total Assets	$	53,640,821		$	52,537,629		$	51,899,376		$	53,640,821		$	51,899,376
Less: Goodwill		(2,426,379	)		(2,426,379	)		(2,436,131	)		(2,426,379	)		(2,436,131	)

Tangible assets	$	51,214,442		$	50,111,250		$	49,463,245		$	51,214,442		$	49,463,245
Average Common Stockholders’ Equity	$	6,187,536		$	6,201,970		$	6,244,977		$	6,161,146		$	6,280,081
Less: Average goodwill		(2,426,379	)		(2,426,379	)		(2,436,131	)		(2,428,703	)		(2,436,131	)

Average tangible common stockholders’ equity	$	3,761,157		$	3,775,591		$	3,808,846		$	3,732,443		$	3,843,950
Average Assets	$	52,477,691		$	52,257,718		$	51,779,002		$	52,109,095		$	50,213,340
Less: Average goodwill		(2,426,379	)		(2,426,379	)		(2,436,131	)		(2,428,703	)		(2,436,131	)

Average tangible assets	$	50,051,312		$	49,831,339		$	49,342,871		$	49,680,392		$	47,777,209
Net Income Available to Common Shareholders	$	92,967		$	90,839		$	93,532		$	362,215		$	389,589
GAAP MEASURES:
Return on average assets (1)		0.77	%		0.76	%		0.79	%		0.76	%		0.84	%
Return on average common stockholders’ equity (2)		6.01			5.86			5.99			5.88			6.20
Book value per common share	$	13.29		$	13.25		$	12.99		$	13.29		$	12.99
Common stockholders’ equity to total assets		11.57			11.79			11.85			11.57			11.85
NON-GAAP MEASURES:
Return on average tangible assets (1)		0.81	%		0.80	%		0.82	%		0.80	%		0.88	%
Return on average tangible common stockholders’ equity (2)		9.89			9.62			9.82			9.70			10.14
Tangible book value per common share	$	8.09		$	8.06		$	7.85		$	8.09		$	7.85
Tangible common stockholders’ equity to tangible assets		7.39			7.51			7.51			7.39			7.51

(1)	To calculate return on average assets for a period, we divide net income generated during that period by average assets recorded during that period.

To calculate return on average tangible assets for a period, we divide net income by average tangible assets recorded during that period.

(2)

To calculate return on average common stockholders’ equity for a period, we divide net income available to common shareholders generated during that period by average common stockholders’ equity recorded during that period. To calculate return on average tangible common stockholders’ equity for a period, we divide net income available to common shareholders generated during that period by average tangible common stockholders’ equity recorded during that period.

NEW YORK COMMUNITY BANCORP, INC.

NET INTEREST INCOME ANALYSIS

LINKED-QUARTER AND YEAR-OVER-YEAR COMPARISONS

(unaudited)


	For the Three Months Ended
	December 31, 2019							September 30, 2019							December 31, 2018
(dollars in thousands)	Average Balance		Interest		Average Yield/ Cost			Average Balance		Interest		Average Yield/ Cost			Average Balance		Interest		Average Yield/ Cost
Assets:
Interest-earning assets:
Mortgage and other loans, net	$	40,670,220	$	393,660		3.87	%	$	40,756,495	$	391,920		3.84	%	$	39,776,600	$	375,307		3.77	%
Securities		6,409,279		54,434		3.39			6,324,588		59,785		3.78			5,878,349		57,098		3.88
Interest-earning cash and cash equivalents		611,176		2,589		1.68			511,730		2,846		2.21			1,849,838		10,467		2.24

Total interest-earning assets		47,690,675		450,683		3.78			47,592,813		454,551		3.82			47,504,787		442,872		3.73
Non-interest-earning assets		4,787,016							4,664,905							4,274,215

Total assets	$	52,477,691						$	52,257,718						$	51,779,002

Liabilities and Stockholders’ Equity:
Interest-bearing deposits:
Interest-bearing checking and money market accounts	$	9,857,399	$	33,951		1.37	%	$	10,263,331	$	42,465		1.64	%	$	11,602,054	$	48,726		1.67	%
Savings accounts		4,800,951		9,435		0.78			4,747,843		9,326		0.78			4,743,586		7,818		0.65
Certificates of deposit		14,200,266		84,874		2.37			14,093,146		86,934		2.45			11,731,234		61,085		2.07

Total interest-bearing deposits		28,858,616		128,260		1.76			29,104,320		138,725		1.89			28,076,874		117,629		1.66
Borrowed funds		13,645,755		79,953		2.33			13,325,104		79,911		2.38			14,046,944		78,007		2.20

Total interest-bearing liabilities		42,504,371		208,213		1.94			42,429,424		218,636		2.04			42,123,818		195,636		1.84
Non-interest-bearing deposits		2,683,164							2,491,796							2,631,408
Other liabilities		599,780							631,688							275,959

Total liabilities		45,787,315							45,552,908							45,031,185
Stockholders’ equity		6,690,376							6,704,810							6,747,817

Total liabilities and stockholders’ equity	$	52,477,691						$	52,257,718						$	51,779,002

Net interest income/interest rate spread			$	242,470		1.84	%			$	235,915		1.78	%			$	247,236		1.89	%

Net interest margin						2.04	%						1.99	%						2.09	%

Ratio of interest-earning assets to interest-bearing liabilities						1.12	x						1.12	x						1.13	x

NEW YORK COMMUNITY BANCORP, INC.

NET INTEREST INCOME ANALYSIS

YEAR-OVER-YEAR COMPARISON

(unaudited)


	For the Twelve Months Ended December 31,
	2019							2018
(dollars in thousands)	Average Balance		Interest		Average Yield/Cost			Average Balance		Interest		Average Yield/Cost
Assets:
Interest-earning assets:
Mortgage and other loans, net	$	40,384,573	$	1,553,004		3.85	%	$	39,122,724	$	1,467,944		3.75	%
Securities		6,329,898		235,596		3.72			4,819,789		184,136		3.82
Interest-earning cash and cash equivalents		744,204		16,560		2.23			1,955,837		37,593		1.92

Total interest-earning assets		47,458,675		1,805,160		3.80			45,898,350		1,689,673		3.68
Non-interest-earning assets		4,650,420							4,314,990

Total assets	$	52,109,095						$	50,213,340

Liabilities and Stockholders’ Equity:
Interest-bearing deposits:
Interest-bearing checking and money market accounts	$	10,597,285	$	174,347		1.65	%	$	12,033,213	$	167,972		1.40	%
Savings accounts		4,737,423		35,705		0.75			4,902,728		28,994		0.59
Certificates of deposit		13,532,036		320,234		2.37			10,236,599		182,383		1.78

Total interest-bearing deposits		28,866,744		530,286		1.84			27,172,540		379,349		1.40
Borrowed funds		13,393,837		317,474		2.37			13,454,912		279,329		2.08

Total interest-bearing liabilities		42,260,581		847,760		2.01			40,627,452		658,678		1.62
Non-interest-bearing deposits		2,588,040							2,550,163
Other liabilities		596,488							252,804

Total liabilities		45,445,109							43,430,419
Stockholders’ equity		6,663,986							6,782,921

Total liabilities and stockholders’ equity	$	52,109,095						$	50,213,340

Net interest income/interest rate spread			$	957,400		1.79	%			$	1,030,995		2.06	%

Net interest margin						2.02	%						2.25	%

Ratio of interest-earning assets to interest-bearing liabilities						1.12	x						1.13	x

NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(unaudited)


	For the Three Months Ended									For the Twelve Months Ended
	Dec. 31,			Sep. 30,			Dec. 31,			Dec. 31,			Dec. 31,
(dollars in thousands except share and per share data)	2019			2019			2018			2019			2018
PROFITABILITY MEASURES:
Net income	$	101,174		$	99,046		$	101,739		$	395,043		$	422,417
Net income available to common shareholders		92,967			90,839			93,532			362,215			389,589
Basic earnings per common share		0.20			0.19			0.19			0.77			0.79
Diluted earnings per common share		0.20			0.19			0.19			0.77			0.79
Return on average assets		0.77	%		0.76	%		0.79	%		0.76	%		0.84	%
Return on average tangible assets ⁽¹⁾		0.81			0.80			0.82			0.80			0.88
Return on average common stockholders’ equity		6.01			5.86			5.99			5.88			6.20
Return on average tangible common stockholders’ equity ⁽¹⁾		9.89			9.62			9.82			9.70			10.14
Efficiency ratio ⁽²⁾		48.51			47.37			49.92			49.08			48.70
Operating expenses to average assets		0.96			0.94			1.04			0.98			1.09
Interest rate spread		1.84			1.78			1.89			1.79			2.06
Net interest margin		2.04			1.99			2.09			2.02			2.25
Effective tax rate		23.43			25.09			23.27			24.51			24.25
Shares used for basic common EPS computation		465,319,591			465,357,326			484,036,552			465,380,010			487,287,872
Shares used for diluted common EPS computation		465,738,265			465,776,000			484,036,552			465,663,332			487,287,872
Common shares outstanding at the respective period-ends		467,346,781			467,350,860			473,536,604			467,346,781			473,536,604

(1)	See the reconciliations of these non-GAAP measures with the comparable GAAP measures on page 9 of this release.

(2)	We calculate our efficiency ratio by dividing our operating expenses by the sum of our net interest income and non-interest income.


	Dec. 31,			Sep. 30,			Dec. 31,
	2019			2019			2018
CAPITAL MEASURES:
Book value per common share	$	13.29		$	13.25		$	12.99
Tangible book value per common share ⁽¹⁾		8.09			8.06			7.85
Common stockholders’ equity to total assets		11.57	%		11.79	%		11.85	%
Tangible common stockholders’ equity to tangible assets ⁽¹⁾		7.39			7.51			7.51

(1)	See the reconciliations of these non-GAAP measures with the comparable GAAP measures on page 9 of this release.


	Dec. 31,			Sep. 30,			Dec. 31,
	2019			2019			2018
REGULATORY CAPITAL RATIOS: ⁽¹⁾
New York Community Bancorp, Inc.
Common equity tier 1 ratio		9.91	%		10.15	%		10.55	%
Tier 1 risk-based capital ratio		11.22			11.49			11.94
Total risk-based capital ratio		13.27			13.61			14.16
Leverage capital ratio		8.66			8.65			8.74
New York Community Bank
Common equity tier 1 ratio		12.42	%		12.76	%		13.10	%
Tier 1 risk-based capital ratio		12.42			12.76			13.10
Total risk-based capital ratio		12.81			13.16			13.54
Leverage capital ratio		9.59			9.60			9.58

(1)	The minimum regulatory requirements for classification as a well-capitalized institution are a common equity tier 1 capital ratio of 6.50%; a tier 1 risk-based capital ratio of 8.00%; a total risk-based capital ratio of 10.00%; and a leverage capital ratio of 5.00%.

NEW YORK COMMUNITY BANCORP, INC.

SUPPLEMENTAL FINANCIAL INFORMATION


										Dec. 31, 2019 compared to
	Dec. 31, 2019			Sep. 30, 2019			Dec. 31, 2018			Sep. 30, 2019			Dec. 31, 2018
(in thousands, except share data)	(unaudited)			(unaudited)			(unaudited)
Assets
Cash and cash equivalents	$	741,870		$	854,678		$	1,474,955			-13	%		-50	%
Securities:
Available-for-sale		5,853,057			5,854,568			5,613,520			0	%		4	%
Equity investments with readily determinable fair values, at fair value		32,830			32,861			30,551			0	%		7	%

Total securities		5,885,887			5,887,429			5,644,071			0	%		4	%
Mortgage loans held for investment:
Multi-family		31,182,079			30,289,364			29,904,063			3	%		4	%
Commercial real estate		7,084,499			6,988,226			7,000,990			1	%		1	%
One-to-four family		380,684			395,347			446,413			-4	%		-15	%
Acquisition, development, and construction		200,464			297,565			407,875			-33	%		-51	%

Total mortgage loans held for investment		38,847,726			37,970,502			37,759,341			2	%		3	%
Other loans:
Commercial and industrial		3,038,297			2,864,944			2,397,784			6	%		27	%
Other loans		8,132			8,774			8,783			-7	%		-7	%

Total other loans held for investment		3,046,429			2,873,718			2,406,567			6	%		27	%

Total loans held for investment		41,894,155			40,844,220			40,165,908			3	%		4	%
Less: Allowance for losses on loans		(147,638	)		(149,433	)		(159,820	)		-1	%		-8	%

Loans held for investment, net		41,746,517			40,694,787			40,006,088			3	%		4	%
Total loans, net		41,746,517			40,694,787			40,006,088			3	%		4	%
Federal Home Loan Bank stock, at cost		647,562			606,371			644,590			7	%		0	%
Premises and equipment, net		312,626			321,792			346,179			-3	%		-10	%
Operating lease right-of-use assets		286,194			300,955			—			-5	%		NM
Goodwill		2,426,379			2,426,379			2,436,131			0	%		0	%
Other assets		1,593,786			1,445,238			1,347,362			10	%		18	%

Total assets	$	53,640,821		$	52,537,629		$	51,899,376			2	%		3	%

Liabilities and Stockholders’ Equity
Deposits:
Interest-bearing checking and money market accounts	$	10,230,144		$	9,960,403		$	11,530,049			3	%		-11	%
Savings accounts		4,780,007			4,817,697			4,643,260			-1	%		3	%
Certificates of deposit		14,214,858			14,264,171			12,194,322			0	%		17	%
Non-interest-bearing accounts		2,432,123			2,529,905			2,396,799			-4	%		1	%

Total deposits		31,657,132			31,572,176			30,764,430			0	%		3	%

Borrowed funds:
Wholesale borrowings		13,902,661			12,971,661			13,553,661			7	%		3	%
Junior subordinated debentures		359,866			359,773			359,508			0	%		0	%
Subordinated notes		295,066			294,926			294,697			0	%		0	%

Total borrowed funds		14,557,593			13,626,360			14,207,866			7	%		2	%
Operating lease liabilities		285,991			300,610			—			-5	%		NM
Other liabilities		428,411			343,476			271,845			25	%		58	%

Total liabilities		46,929,127			45,842,622			45,244,141			2	%		4	%

Stockholders’ equity:
Preferred stock at par $0.01 (5,000,000 shares authorized):
Series A (515,000 shares issued and outstanding)		502,840			502,840			502,840			0	%		0	%
Common stock at par $0.01 (900,000,000 shares authorized; 490,439,070, 490,439,070 and 490,439,070 shares issued; and 467,346,781, 467,350,860 and 473,536,604 shares outstanding, respectively)		4,904			4,904			4,904			0	%		0	%
Paid-in capital in excess of par		6,115,487			6,107,376			6,099,940			0	%		0	%
Retained earnings		342,023			328,407			297,202			4	%		15	%
Treasury stock, at cost (23,092,289, 23,088,210, and 16,902,466 shares, respectively)		(220,717	)		(220,669	)		(161,998	)		0	%		NM
Accumulated other comprehensive loss, net of tax:
Net unrealized gain (loss) on securities available for sale, net of tax		31,482			43,804			(10,534	)		-28	%		-399	%
Net unrealized loss on the non-credit portion of other-than-temporary impairment losses, net of tax		(6,042	)		(6,042	)		(6,042	)		0	%		0	%
Pension and post-retirement obligations, net of tax		(59,136	)		(65,613	)		(71,077	)		-10	%		-17	%
Net unrealized gain in cash flow hedges, net of tax		853			—			—

Total accumulated other comprehensive loss, net of tax		(32,843	)		(27,851	)		(87,653	)		18	%		-63	%

Total stockholders’ equity		6,711,694			6,695,007			6,655,235			0	%		1	%

Total liabilities and stockholders’ equity	$	53,640,821		$	52,537,629		$	51,899,376			2	%		3	%

NEW YORK COMMUNITY BANCORP, INC.

SUPPLEMENTAL FINANCIAL INFORMATION (continued)

(unaudited)


									Dec. 31, 2019
	For the Three Months Ended								compared to
	Dec. 31,			Sep. 30,		Dec. 31,			Sep. 30,			Dec. 31,
(in thousands, except per share data)	2019			2019		2018			2019			2018
Interest Income:
Mortgage and other loans	$	393,660		$	391,920	$	375,307			0	%		5	%
Securities and money market investments		57,023			62,631		67,565			-9	%		-16	%

Total interest income		450,683			454,551		442,872			-1	%		2	%

Interest Expense:
Interest-bearing checking and money market accounts		33,951			42,465		48,726			-20	%		-30	%
Savings accounts		9,435			9,326		7,818			1	%		21	%
Certificates of deposit		84,874			86,934		61,085			-2	%		39	%
Borrowed funds		79,953			79,911		78,007			0	%		2	%

Total interest expense		208,213			218,636		195,636			-5	%		6	%

Net interest income		242,470			235,915		247,236			3	%		-2	%
Provision for losses on loans		1,702			4,781		2,770			-64	%		-39	%

Net interest income after provision for loan losses		240,768			231,134		244,466			4	%		-2	%

Non-Interest Income:
Fee income		7,002			7,580		7,709			-8	%		-9	%
Bank-owned life insurance		8,118			6,791		7,828			20	%		4	%
Net (loss) gain on securities		(30	)		275		(1,184	)		-111	%		-97	%
Other income		2,372			9,740		8,720			-76	%		-73	%

Total non-interest income		17,462			24,386		23,073			-28	%		-24	%

Non-Interest Expense:
Operating expenses:
Compensation and benefits		72,525			75,159		74,924			-4	%		-3	%
Occupancy and equipment		22,575			21,748		25,796			4	%		-12	%
General and administrative		30,997			26,395		34,226			17	%		-9	%

Total operating expenses		126,097			123,302		134,946			2	%		-7	%

Total non-interest expense		126,097			123,302		134,946			2	%		-7	%

Income before taxes		132,133			132,218		132,593			0	%		0	%
Income tax expense		30,959			33,172		30,854			-7	%		0	%

Net Income	$	101,174		$	99,046	$	101,739			2	%		-1	%
Preferred stock dividends		8,207			8,207		8,207			0	%		0	%

Net Income available to common shareholders	$	92,967		$	90,839	$	93,532			2	%		-1	%

Basic earnings per common share	$	0.20		$	0.19	$	0.19			5	%		5	%

Diluted earnings per common share	$	0.20		$	0.19	$	0.19			5	%		5	%

Dividends per common share	$	0.17		$	0.17	$	0.17			0	%		0	%

NEW YORK COMMUNITY BANCORP, INC.

SUPPLEMENTAL FINANCIAL INFORMATION (continued)

The following tables summarize the contribution of loan and securities prepayment income on the Company’s interest income and net interest margin for the periods indicated.


	For the Three Months Ended									Dec. 31, 2019 compared to
	Dec. 31,			Sep. 30,			Dec. 31,			Sep. 30,			Dec. 31,
(dollars in thousands)	2019			2019			2018			2019			2018
Total Interest Income	$	450,683		$	454,551		$	442,872			-1	%		2	%
Prepayment Income:
Loans	$	15,422		$	12,279		$	9,101			26	%		69	%
Securities		2,431			1,866			353			30	%		589	%

Total prepayment income	$	17,853		$	14,145		$	9,454			26	%		89	%

GAAP Net Interest Margin		2.04	%		1.99	%		2.09	%		5	bp		-5	bp
Less:
Prepayment income from loans		12	bp		10	bp		8	bp		2	bp		4	bp
Prepayment income from securities		2			1			—			1	bp		2	bp
Plus:
Subordinated debt issuance		—			—			3

Total prepayment income contribution to and subordinated debt impact on net interest margin		14	bp		11	bp		5	bp		3	bp		9	bp

Adjusted Net Interest Margin (non-GAAP)		1.90	%		1.88	%		2.04	%		2	bp		-14	bp


	For the Twelve Months Ended
	Dec. 31,			Dec. 31,
(dollars in thousands)	2019			2018			Change (%)
Total Interest Income	$	1,805,160		$	1,689,673			7	%
Prepayment Income:
Loans	$	48,884		$	44,949			9	%
Securities		5,304			4,957			7	%

Total prepayment income	$	54,188		$	49,906			9	%

GAAP Net Interest Margin		2.02	%		2.25	%		-23	bp
Less:
Prepayment income from loans		11	bp		10	bp		1	bp
Prepayment income from securities		1			1			0	bp
Plus:
Subordinated debt issuance					—

Total prepayment income contribution to and subordinated debt impact on net interest margin		12	bp		11	bp		1	bp

Adjusted Net Interest Margin (non-GAAP)		1.90	%		2.14	%		-24	bp

While our net interest margin, including the contribution of prepayment income is recorded in accordance with GAAP, adjusted net interest margin, which excludes the contribution of prepayment income is not. Nevertheless, management uses this non-GAAP measure in its analysis of our performance, and believes that this non-GAAP measure should be disclosed in our earnings releases and other investor communications for the following reasons:

Adjusted net interest margin gives investors a better understanding of the effect of prepayment income and other items on our net interest margin. Prepayment income in any given period depends on the volume of loans that refinance or prepay, or securities that prepay, during that period. Such activity is largely dependent on external factors such as current market conditions, including real estate values, and the perceived or actual direction of market interest rates.

2.	Adjusted net interest margin is among the measures considered by current and prospective investors, both independent of, and in comparison with, our peers.

NEW YORK COMMUNITY BANCORP, INC.

SUPPLEMENTAL FINANCIAL INFORMATION (continued)

LOANS ORIGINATED FOR INVESTMENT

(unaudited)


							Dec. 31, 2019
	For the Three Months Ended						compared to
	Dec. 31,		Sep. 30,		Dec. 31,		Sep. 30,			Dec. 31,
(in thousands)	2019		2019		2018		2019			2018
Mortgage Loans Originated for Investment:
Multi-family	$	1,991,636	$	1,180,054	$	1,278,514		69	%		56	%
Commercial real estate		326,834		309,314		233,367		6	%		40	%
One-to-four family residential		77,321		20,745		4,900		273	%		1478	%
Acquisition, development, and construction		33,173		36,961		12,293		-10	%		170	%

Total mortgage loans originated for investment		2,428,964		1,547,074		1,529,074		57	%		59	%

Other Loans Originated for Investment:
Specialty Finance		799,163		637,843		524,104		25	%		52	%
Other commercial and industrial		88,672		93,905		101,104		-6	%		-12	%
Other		707		1,343		1,077		-47	%		-34	%

Total other loans originated for investment		888,542		733,091		626,285		21	%		42	%

Total Loans Originated for Investment	$	3,317,506	$	2,280,165	$	2,155,359		45	%		54	%


	For the Twelve Months Ended
(in thousands)	Dec. 31, 2019		Dec. 31, 2018		Change (%)
Mortgage Loans Originated for Investment:
Multi-family	$	5,981,700	$	6,621,808		-10	%
Commercial real estate		1,226,272		966,731		27	%
One-to-four family residential		102,829		12,624		715	%
Acquisition, development, and construction		91,400		56,651		61	%

Total mortgage loans originated for investment		7,402,201		7,657,814		-3	%

Other Loans Originated for Investment:
Specialty Finance		2,799,962		1,917,048		46	%
Other commercial and industrial		391,702		478,619		-18	%
Other		4,200		4,116		2	%

Total other loans originated for investment		3,195,864		2,399,783		33	%

Total Loans Originated for Investment	$	10,598,065	$	10,057,597		5	%

The following table provides certain information about the Company’s multi-family and CRE loan portfolios at the respective dates:


										Dec. 31, 2019
	At or For the Three Months Ended									compared to
	Dec. 31,			Sep. 30,			Dec. 31,			Sep. 30,			Dec. 31,
(dollars in thousands)	2019			2019			2018			2019			2018
Multi-Family Loan Portfolio:
Loans outstanding	$	31,182,079		$	30,289,364		$	29,904,063			3	%		4	%
Percent of total held-for-investment loans		74.4	%		74.2	%		74.5	%		20	bp		-10	bp
Average principal balance	$	6,381		$	6,162		$	6,067			4	%		5	%
Weighted average life (in years)		2.0			2.1			2.6			-5	%		-23	%
Commercial Real Estate Loan Portfolio:
Loans outstanding	$	7,084,499		$	6,988,226		$	7,000,990			1	%		1	%
Percent of total held-for-investment loans		16.9	%		17.1	%		17.4	%		-20	bp		-50	bp
Average principal balance	$	6,564		$	6,399		$	6,070			3	%		8	%
Weighted average life (in years)		2.3			2.4			2.7			-4	%		-15	%

NEW YORK COMMUNITY BANCORP, INC.

SUPPLEMENTAL FINANCIAL INFORMATION (continued)

ASSET QUALITY SUMMARY

(unaudited)

The following table presents the Company’s non-performing loans and assets at the respective dates:


							Dec. 31, 2019
							compared to
	Dec. 31,		Sep. 30,		Dec. 31,		Sep. 30,			Dec. 31,
(in thousands)	2019		2019		2018		2019			2018
Non-Performing Assets:
Non-accrual mortgage loans:
Multi-family	$	5,407	$	5,793	$	4,220		-7	%		28	%
Commercial real estate		14,830		5,563		3,021		167	%		391	%
One-to-four family residential		1,730		2,040		1,651		-15	%		5	%
Acquisition, development, and construction		—		—		—		NM			NM

Total non-accrual mortgage loans		21,967		13,396		8,892		64	%		147	%
Other non-accrual loans (1)		39,276		42,797		36,614		-8	%		7	%

Total non-performing loans		61,243		56,193		45,506		9	%		35	%
Repossessed assets (2)		12,268		11,691		10,794		5	%		14	%

Total non-performing assets	$	73,511	$	67,884	$	56,300		8	%		31	%

(1)	Includes $30.4 million, $33.6 million and $35.5 million of non-accrual taxi medallion-related loans at December 31, 2019, September 30, 2019 and December 31, 2018, respectively.

(2)	Includes $10.3 million, $9.7 million and $8.2 million of repossessed taxi medallions at December 31, 2019, September 30, 2019 and December 31, 2018, respectively.

The following table presents the Company’s asset quality measures at the respective dates:


	Dec. 31,			Sep. 30,			Dec. 31,
	2019			2019			2018
Non-performing loans to total loans		0.15	%		0.14	%		0.11	%
Non-performing assets to total assets		0.14			0.13			0.11
Allowance for losses on loans to non-performing loans		241.07			265.93			351.21
Allowance for losses on loans to total loans		0.35			0.37			0.40

NEW YORK COMMUNITY BANCORP, INC.

SUPPLEMENTAL FINANCIAL INFORMATION (continued)

The following table presents the Company’s loans 30 to 89 days past due at the respective dates:


							Dec. 31, 2019 compared to
	Dec. 31,		Sep. 30,		Dec. 31,		Sep. 30,			Dec. 31,
	2019		2019		2018		2019			2018
(in thousands)
Loans 30 to 89 Days Past Due:
Multi-family	$	1,131	$	—	$	—		NM			NM
Commercial real estate		2,545		9,750		—		-74	%		NM
One-to-four family residential		—		—		9		NM			NM
Acquisition, development, and construction		—		—		—		NM			NM
Other (1)		44		489		555		-91	%		-92	%

Total loans 30 to 89 days past due	$	3,720	$	10,239	$	564		-64	%		560	%

(1)	Includes $0, $483,000 and $530,000 of taxi medallion loans at December 31, 2019, September 30, 2019 and December 31, 2018, respectively.

The following table summarizes the Company’s net charge-offs (recoveries) for the respective periods:


	For the Three Months Ended									For the Twelve Months Ended
	Dec. 31,			Sep. 30,			Dec. 31,			Dec. 31,			Dec. 31,
(dollars in thousands)	2019			2019			2018			2019			2018
Charge-offs:
Multi-family	$	222		$	437		$	—		$	659		$	34
Commercial real estate		—			—			—			—			3,191
One-to-four family residential		5			949			—			954			—
Acquisition, development, and construction		—			—			—			—			2,220
Other (1)		3,684			5,180			3,192			18,694			12,897

Total charge-offs		3,911			6,566			3,192			20,307			18,342

Recoveries:
Multi-family	$	—		$	—		$	—		$	—		$	—
Commercial real estate		—			—			—			—			(137	)
One-to-four family residential		—			—			—			—			—
Acquisition, development, and construction		(18	)		(21	)		(22	)		(61	)		(127	)
Other (1)		(397	)		(84	)		(565	)		(959	)		(1,596	)

Total recoveries		(415	)		(105	)		(587	)		(1,020	)		(1,860	)

Net charge-offs	$	3,496		$	6,461		$	2,605		$	19,287		$	16,482

Net charge-offs to average loans (2)		0.01	%		0.02	%		0.01	%		0.05	%		0.04	%

(1)	Includes taxi medallion loans of $3.4 million, $2.7 million, and $3.2 million, respectively, for the three months ended December 31, 2019, September 30, 2019, and December 31, 2018 and $10.2 million and $12.8 million, respectively, for the twelve months ended December 31, 2019 and 2018.

(2)	Three months ended presented on a non-annualized basis.

Investor/Media Contact: Salvatore J. DiMartino

(516) 683-4286

LOGO

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Document and Entity Information

Jan. 29, 2020

Document And Entity Information [Line Items]

Entity Registrant Name NEW YORK COMMUNITY BANCORP INC

Amendment Flag false

Entity Central Index Key 0000910073

Document Type 8-K

Document Period End Date Jan. 29, 2020

Entity Incorporation State Country Code DE

Entity File Number 1-31565

Entity Tax Identification Number 06-1377322

Entity Address, Address Line One 615 Merrick Avenue

Entity Address, City or Town Westbury

Entity Address, State or Province NY

Entity Address, Postal Zip Code 11590

City Area Code (516)

Local Phone Number 683-4100

Written Communications false

Soliciting Material false

Pre Commencement Tender Offer false

Pre Commencement Issuer Tender Offer false

Entity Emerging Growth Company false

Common Stock [Member]

Document And Entity Information [Line Items]

Security 12b Title Common Stock, $0.01 par value per share

Trading Symbol NYCB

Security Exchange Name NYSE

Bifurcated Option Note Unit Securities [Member]

Document And Entity Information [Line Items]

Security 12b Title Bifurcated Option Note Unit SecuritiESSM

Trading Symbol NYCB PU

Security Exchange Name NYSE

Series A Preferred Stock [Member]

Document And Entity Information [Line Items]

Security 12b Title Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value

Trading Symbol NYCB PR A

Security Exchange Name NYSE

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Document and Entity Information	Jan. 29, 2020
Document And Entity Information [Line Items]
Entity Registrant Name	NEW YORK COMMUNITY BANCORP INC
Amendment Flag	false
Entity Central Index Key	0000910073
Document Type	8-K
Document Period End Date	Jan. 29, 2020
Entity Incorporation State Country Code	DE
Entity File Number	1-31565
Entity Tax Identification Number	06-1377322
Entity Address, Address Line One	615 Merrick Avenue
Entity Address, City or Town	Westbury
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	11590
City Area Code	(516)
Local Phone Number	683-4100
Written Communications	false
Soliciting Material	false
Pre Commencement Tender Offer	false
Pre Commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Common Stock [Member]
Document And Entity Information [Line Items]
Security 12b Title	Common Stock, $0.01 par value per share
Trading Symbol	NYCB
Security Exchange Name	NYSE
Bifurcated Option Note Unit Securities [Member]
Document And Entity Information [Line Items]
Security 12b Title	Bifurcated Option Note Unit SecuritiESSM
Trading Symbol	NYCB PU
Security Exchange Name	NYSE
Series A Preferred Stock [Member]
Document And Entity Information [Line Items]
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Trading Symbol	NYCB PR A
Security Exchange Name	NYSE