New York Community Bank

With assets of $43.5 billion at June 30, 2012, New York Community Bancorp, Inc. is the multi-bank holding company for New York Community Bank—a savings bank with 240 branches serving customers throughout Metro New York, New Jersey, Ohio, Florida, and Arizona—and New York Commercial Bank, with 34 branches in Manhattan, Queens, Brooklyn, Long Island, and Westchester County, all in New York.

New York Community Bank…Now in our 154th year of Service Founded in 1859 in Queens, a borough of New York City, New York Community Bank is one of the top 25 depositories in the United States. The breadth of our franchise is the result of earnings-accretive merger transactions with five local institutions and our FDIC-assisted acquisitions of AmTrust Bank and Desert Hills Bank, which provided us with branches in Ohio, Florida, and Arizona in December 2009 and March 2010.

Our Ohio Savings Bank division meets the needs of our customers in northeastern Ohio with 28 branches; and

Our AmTrust Bank division serves our customers through 26 branches in south Florida and 14 branches in central Arizona.

A Leading Multi-Family Mortgage LenderIn addition to enjoying a meaningful share of the region’s deposits, we produce a significant share of the region’s multi-family mortgage loans. We are a leading producer of multi-family loans on rent-regulated apartment buildings in New York City, and all of the multi-family loans we produce are for our own portfolio. At June 30, 2012, multi-family loans represented $18.2 billion, or 68.6%, of held for investment, which totaled $26.5 billion at that date.

A Leading Aggregator of One-to-Four Family Loans In connection with our FDIC-assisted AmTrust Bank acquisition, we expanded our business model to include the aggregation of one-to-four family loans for sale. Today—less than three years following that acquisition—NYCB Mortgage Company, LLC, our mortgage banking operation, ranks among the nation’s 15 largest loan aggregators, and has proved a meaningful source of revenues.