Company Profile For New York Community Bancorp, Inc.

New York Community Bancorp, Inc. is the holding company for New York Community Bank (the Community Bank) and New York Commercial Bank (the Commercial Bank). The Company has 212 banking offices serving customers in all five boroughs of New York City, Long Island, and Westchester County in New York, and Essex, Hudson, Mercer, Middlesex, Monmouth, Ocean, and Union counties in New Jersey. The Community Bank has 177 locations that operate through five local divisions: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank and Garden State Community Bank. The Commercial Bank has 35 branches serving Manhattan, Queens, Brooklyn, Westchester County, and Long Island, including 18 branches of Atlantic Bank.

BRIEF: For the nine months ended 30 September 2009, New York Community Bancorp, Inc.'s interest income increased 1% to $1.20B. Net interest income after loan loss provision increased 31% to $617.9M. Net income totaled $243.7M vs. a loss of $24.3M. Net interest income reflects an increase in interest income on mortgage and lower interest expense for saving accounts. Net income reflects a decrease in loss on OTTI recognized in earnings.