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About New York Community Bancorp, Inc.

New York Community Bancorp, Inc. is a holding company for New York Community Bank (The Bank). The Bank is a New York State-chartered savings bank that operates approximately 236 branches, 19 of which operate directly under the Community Bank name. The remaining 217 Community Bank branches operate through eight divisional banks: 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; AmTrust Bank in Florida and Arizona; and Ohio Savings Bank in Ohio. The Bank is a producer of multi-family loans in New York City, with a focus on non-luxury residential apartment buildings with rent-regulated units that features below-market rents. The Bank also provides commercial real estate (CRE) loans, specialty finance loans and leases, and, to a much lesser extent, acquisition, development, and construction (ADC) loans, and commercial and industrial (C&I) loans.

Financial summary

BRIEF: For the fiscal year ended 31 December 2021, New York Community Bancorp, Inc. interest income decreased 1% to $1.69B. Net interest income after loan loss provision increased 17% to $1.29B. Net income applicable to common stockholders excluding extraordinary items increased 38% to $556M. Net interest income after loan loss provision reflects Net Interest Margin, Total -% increase of 10% to 2.47%, Net Interest Spread.

Equity composition

Common Stock $.01 Par, 12/11, 600M auth., 437,348,593 issd., Insiders own 3.25% . PO: 5/02, 5.1M shs. @ $29 by Lehman Brothers. 2/04, 5/03, 8/96, 4-for-3 stk splits. 04/2006,Co. acq. Atlantic Bank of New York. 04/07, Co. acq. PennFed Financial Services, Inc. @ 1.222 shs.(311,540,623 shs.issd.)