<SEC-DOCUMENT>0001157523-16-006222.txt : 20160727
<SEC-HEADER>0001157523-16-006222.hdr.sgml : 20160727
<ACCEPTANCE-DATETIME>20160727112238
ACCESSION NUMBER:		0001157523-16-006222
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160727
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160727
DATE AS OF CHANGE:		20160727

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:		161785988

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a51388176.htm
<DESCRIPTION>NEW YORK COMMUNITY BANCORP, INC. 8-K
<TEXT>
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    <p style="text-align: center">
      <br>
      <br>
      <font style="font-family: Times New Roman; font-size: 11pt"><b>UNITED
      STATES</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt"><b>SECURITIES
      AND EXCHANGE COMMISSION</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt">Washington,
      D.C. 20549</font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt"><b>FORM
      8-K</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt"><b>CURRENT
      REPORT</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt">Pursuant
      to Section 13 or 15(d) of the Securities Exchange Act of 1934</font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt">Date
      of Report </font><font style="font-size: 11pt">(Date of earliest event
      reported)</font><font style="font-family: Times New Roman; font-size: 11pt">:
      </font><u><font style="font-family: Times New Roman; font-size: 11pt">July
      27, 2016</font></u><br><br><br><u><font style="font-size: 11pt"><b>NEW
      YORK COMMUNITY BANCORP, INC.</b></font></u><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt">(Exact
      name of registrant as specified in its charter)</font><br><br>
    </p>
    <div style="text-align:center">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 10pt; margin-left:auto;margin-right:auto; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="border-bottom-style: solid; border-bottom-color: black; width: 28%; padding-left: 0.0px; text-align: center; border-bottom-width: 1.0pt" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Delaware
          </p>
        </td>
        <td style="width: 10%; padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="top">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; width: 24%; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            1-31565
          </p>
        </td>
        <td style="width: 10%; padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="top">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; width: 28%; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            06-1377322
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 28%; padding-left: 0.0px; text-align: center" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (State or other jurisdiction of<br>incorporation or organization)
          </p>
        </td>
        <td style="width: 10%">

        </td>
        <td style="width: 24%; padding-left: 0.0px; text-align: center" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Commission File Number
          </p>
        </td>
        <td style="width: 10%">

        </td>
        <td style="width: 28%; padding-left: 0.0px; text-align: center" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (I.R.S. Employer Identification No.)
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: center">
      <br>
      <u>615 Merrick Avenue, Westbury, New York 11590</u><br>&#160;(Address of
      principal executive offices)<br><br><u>(516) 683-4100</u><br>(Registrant's
      telephone number, including area code)<br><br><u>Not applicable</u><br>&#160;(Former
      name or former address, if changed since last report)<br><br><br>
    </p>
    <p>
      <font style="font-family: Times New Roman; font-size: 10pt">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:</font>
    </p>
    <p>
      <font style="font-size: 10pt">&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Written
      communications pursuant to Rule 425 under the Securities Act (17 CFR
      230.425)</font><br><font style="font-size: 10pt">&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Soliciting
      material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)</font><br><font style="font-size: 10pt">&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
      240.14d-2(b))</font><br><font style="font-size: 10pt">&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
      240.13e-4(c))</font>
    </p>
    <p>

    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <u>CURRENT REPORT ON FORM 8-K</u>
    </p>
    <p style="margin-left: 90.0px">
      <br>

    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 10pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="width: 13%; padding-left: 0.0px; text-align: left" valign="top">
          ITEM 2.02:
        </td>
        <td style="width: 2%">
          &#160;
        </td>
        <td style="width: 85%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Results of Operations and Financial Condition</u>
          </p>
        </td>
      </tr>
      <tr>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 13%; padding-left: 0.0px; text-align: left" valign="top">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 85%; padding-left: 0.0px; text-align: left" valign="top">
          On July 27, 2016, New York Community Bancorp, Inc. (the &quot;Company&quot;)
          issued a press release reporting its financial results for the three
          and six months ended June 30, 2016. A copy of the press release is
          attached as Exhibit 99.1 to this report.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top" colspan="3">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 13%; padding-left: 0.0px; text-align: left" valign="top">
          ITEM 8.01:
        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 85%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Other Events</u>
          </p>
        </td>
      </tr>
      <tr>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 13%; padding-left: 0.0px; text-align: left" valign="top">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 85%; padding-left: 0.0px; text-align: left" valign="top">
          On July 27, 2016, the Company announced that its Board of Directors
          declared a $0.17 per share dividend, payable on August 19, 2016 to
          shareholders of record as of August 8, 2016.
        </td>
      </tr>
      <tr>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 13%; padding-left: 0.0px; text-align: left" valign="top">
          ITEM 9.01:
        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 85%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Financial Statements and Exhibits</u>
          </p>
        </td>
      </tr>
      <tr>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 13%; padding-left: 0.0px; text-align: right" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (d)
          </p>
        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 85%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Attached as Exhibit 99.1 is the press release issued by the
            Company on July 27, 2016 to report its financial results for the
            three and six months ended June 30, 2016.
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="margin-left: 90.0px">

    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <u><font style="font-family: Times New Roman; font-size: 10pt">SIGNATURE</font></u><br>
    </p>
    <p style="text-indent: 30.0px">

    </p>
    <p style="font-size: 10pt; text-indent: 30.0px; font-family: Times New Roman">
      <font style="font-family: Times New Roman; font-size: 10pt">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.</font>
    </p>
    <p style="text-indent: 30.0px">

    </p>
    <div style="text-align:center">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 10pt; margin-left:auto;margin-right:auto; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top" colspan="2">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Date: &#160;July 27, 2016</u>
          </p>
        </td>
        <td style="width: 50%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            NEW YORK COMMUNITY BANCORP, INC.
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">
          &#160;
        </td>
        <td style="width: 45%; padding-left: 0.0px; text-align: center" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 50%">

        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 45%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 50%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>/s/ Thomas R. Cangemi</u>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 45%">

        </td>
        <td style="width: 50%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Thomas R. Cangemi
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 45%">

        </td>
        <td style="width: 50%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Senior Executive Vice President
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 45%">

        </td>
        <td style="width: 50%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            and Chief Financial Officer
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p>

    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p style="text-align: center">

    </p>
    <p style="text-align: center">
      <u>EXHIBIT INDEX</u><br><br>
    </p>
    <div style="text-align:center">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 10pt; margin-left:auto;margin-right:auto; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="width: 20%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Exhibit Number</u>
          </p>
        </td>
        <td style="width: 80%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Description</u>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 20%">

        </td>
        <td style="width: 80%; padding-left: 0.0px; text-align: left" valign="top">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 20%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Exhibit 99.1
          </p>
        </td>
        <td style="width: 80%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Press release issued by the Company on July 27, 2016.
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: center">

    </p>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>a51388176_ex991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html>
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    <title></title>
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  <body style="font-size: 8pt; font-family: Times New Roman">
    <p style="text-align: right">
      <b>Exhibit 99.1</b>
    </p>
    <p style="text-align: center">
      <u><font style="font-size: 12pt; font-family: Times New Roman"><b>New
      York Community Bancorp, Inc. Reports 2Q 2016 Diluted Earnings Per Share
      of $0.26</b></font></u>
    </p>
    <p style="text-align: center">
      <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Board
      of Directors Declares $0.17 per Share Quarterly Cash Dividend</b></font></u>
    </p>
    <p style="text-align: center">
      <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Second
      Quarter 2016 Highlights</b></font></u>
    </p>
    <ul>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Strong
        Earnings and Returns:</b></font></u>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">The
            Company generated 2Q 2016 earnings of $126.5 million, providing a
            1.04% return on average assets and an 8.39% return on average
            stockholders&#8217; equity.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">The 2Q
            2016 returns on average tangible assets and average tangible
            stockholders&#8217; equity were 1.10% and 14.12%, respectively. </font><sup><font style="font-size: 12pt; font-family: Times New Roman">(1)</font></sup>
          </li>
        </ul>
      </li>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Solid
        Net Interest Margin:</b></font></u>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">The
            Company&#8217;s margin rose five basis points (&#8220;bps&#8221;) sequentially and
            35 bps year-over-year to 2.99%.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Prepayment
            income contributed 24 bps to the 2Q 2016 margin, as compared to 22
            and 29 bps, respectively, in the trailing and year-earlier three
            months.</font><sup><font style="font-size: 12pt; font-family: Times New Roman">
            </font></sup>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Excluding
            prepayment income (i.e., on a non-GAAP basis), the Company&#8217;s
            margin would have risen three bps sequentially.</font><sup><font style="font-size: 12pt; font-family: Times New Roman">(2)</font></sup>
          </li>
        </ul>
      </li>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Loan
        Production:</b></font></u>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Loan
            originations totaled $4.0 billion in the current second quarter,
            far exceeding the pipeline reported in the Company&#8217;s April release.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Originations
            for investment represented $2.7 billion of the quarter&#8217;s loan
            production, including $1.7 billion of multi-family loans.</font>
          </li>
        </ul>
      </li>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Continued
        Held-for-Investment (&#8220;HFI&#8221;) Loan Growth:</b></font></u>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">HFI
            multi-family loans rose $778.1 million in the six months ended
            6/30/2016 to $26.8 billion.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Sales
            of multi-family loan participations totaled $865.3 million in 1H
            2016, including $426.4 million in 2Q 2016.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Total
            non-covered HFI loans rose $1.0 billion in the six months ended
            6/30/2016 to $36.8 billion.</font>
          </li>
        </ul>
      </li>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Exceptional
        Asset Quality:</b></font></u>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Non-performing
            non-covered assets totaled $58.7 million, representing 0.12% of
            total non-covered assets at 6/30/2016.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Non-performing
            non-covered loans totaled $45.9 million, representing 0.12% of
            total non-covered loans at that date.</font>
          </li>
        </ul>
      </li>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Strong
        Efficiency:</b></font></u>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">The
            Company&#8217;s efficiency ratio was 43.82% in 2Q 2016. </font><sup><font style="font-size: 12pt; font-family: Times New Roman">(3)</font><font style="font-size: 12pt; font-family: Times New Roman"><b>
            </b></font></sup>
          </li>
        </ul>
      </li>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 12pt; font-family: Times New Roman"><b>Solid
        Capital: </b></font></u>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">At
            6/30/2016, stockholders&#8217; equity represented 12.32% of total assets.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 12pt; font-family: Times New Roman">Tangible
            stockholders&#8217; equity represented 7.73% of tangible assets at that
            date. </font><sup><font style="font-size: 12pt; font-family: Times New Roman">(1)</font></sup>
          </li>
        </ul>
      </li>
    </ul>
    <p>
      WESTBURY, N.Y.--(BUSINESS WIRE)--July 27, 2016--New York Community
      Bancorp, Inc. (NYSE:NYCB) (the &#8220;Company&#8221;) today reported GAAP earnings
      of $126.5 million, or $0.26 per diluted share, for the three months
      ended June 30, 2016 and $256.4 million, or $0.52 per diluted share, for
      the six months ended at that date.
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top" colspan="3">
          <p style="margin-bottom: 0px; margin-top: 0px">
            ______________
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          &#8220;Tangible assets&#8221; and &#8220;tangible stockholders&#8217; equity&#8221; are non-GAAP
          financial measures. Please see the discussion and reconciliations of
          these non-GAAP measures with the comparable GAAP measures on page 12
          of this release.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="top">
          (2)
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          &#8220;Adjusted net interest margin&#8221; is a non-GAAP financial measure.
          Please see the discussion and reconciliation of our adjusted net
          interest margin to our GAAP net interest margin on page 7 of this
          release.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="top">
          (3)
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          We calculate our efficiency ratio by dividing our operating expenses
          by the sum of our net interest income and non-interest income.
        </td>
      </tr>
    </table>
    </div>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          1
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      Commenting on the Company&#8217;s second quarter performance, President and
      Chief Executive Officer Joseph R. Ficalora stated, &#8220;While continuing our
      preparations for the transition to SIFI status, we also maintained our
      focus on our primary business: the origination of high-quality
      multi-family loans. Although portfolio growth was tempered by the
      strategic sale of $426.4 million through participations, the balance of
      multi-family loans grew at an annualized rate of 5.2% to $26.8 billion,
      driven by originations of $1.7 billion in the past three months alone.
      Excluding second-quarter sales, the balance would have risen at an
      annualized rate of 11.7%.
    </p>
    <p>
      &#8220;Another achievement I&#8217;d like to note is our passage of a milestone, as
      the balance of specialty finance loans exceeded $1 billion. The
      performance of this portfolio has been stellar from the onset,
      supporting the exceptional quality of our loan portfolio.
    </p>
    <p>
      &#8220;That quality was again conveyed at the end of the second quarter in the
      balance of non-performing non-covered loans and assets and their
      respective ratios. Reflecting declines in non-performing non-covered
      loans and OREO, the balance of non-performing assets fell $5.9 million
      sequentially, to $58.7 million, representing 0.12% of total non-covered
      assets at quarter-end. Similarly, non-performing non-covered loans
      represented 0.12% of total non-covered loans at the end of the second
      quarter, with the balance having declined $3.3 million sequentially to
      $45.9 million.
    </p>
    <p>
      &#8220;Another highlight of the quarter was the expansion of our margin: five
      basis points sequentially and 35 basis points year-over year. While the
      linked-quarter increase was attributable to a rise in prepayment income,
      the year-over-year increase was, to a large extent, driven by the
      strategic debt repositioning we completed in the fourth quarter of 2015.
    </p>
    <p>
      &#8220;Excluding prepayment income (i.e., on a non-GAAP basis), our second
      quarter margin would have risen three basis points sequentially and 40
      basis points year-over-year. <sup>(2)</sup>
    </p>
    <p>
      &#8220;Reflecting these factors, and others described in the pages that
      follow, we generated earnings of $126.5 million in the second quarter,
      equivalent to $0.26 per diluted share.&#8221;
    </p>
    <p>
      <u><b>Board of Directors Declares $0.17 per Share Dividend Payable on
      August 19, 2016</b></u>
    </p>
    <p>
      &#8220;In view of the strength of our earnings and our solid capital position,
      the Board of Directors last night declared a quarterly cash dividend of
      $0.17 per share. The dividend will be payable on August 19, 2016 to
      shareholders of record as of August 8th, and represents a dividend yield
      of 4.6% based on last night&#8217;s closing price,&#8221; Mr. Ficalora said.
    </p>
    <p>
      <u><b>BALANCE SHEET SUMMARY</b></u>
    </p>
    <p>
      The Company recorded total assets of $49.0 billion at the end of the
      second quarter, reflecting a $520.2 million increase from the March 31st
      balance and a $1.3 billion reduction from the balance at December 31,
      2015. The linked-quarter rise was primarily due to a $667.7 million
      increase in total loans, net, to $39.1 billion, which was tempered by a
      $244.2 million decline in securities to $4.0 billion. While loans, net,
      rose $1.1 billion in the six months ended June 30, 2016, the increase
      was exceeded by a $2.2 billion decline in securities, largely reflecting
      calls that occurred in the first three months of this year.
    </p>
    <p>
      For the four quarters ended June 30, 2016, the Company's average total
      consolidated assets was $49.2 billion.
    </p>
    <p>
      <u><b>Loans</b></u>
    </p>
    <p>
      <i><b>Covered Loans</b></i>
    </p>
    <p>
      Covered loans, net, represented $1.9 billion, or 4.8%, of total loans,
      net, at the end of the second quarter, a $164.5 million reduction from
      the balance at December 31st. The six-month decline was primarily due to
      repayments.
    </p>
    <p>
      Accretion on the covered loan portfolio was $32.9 million in the current
      second quarter, as compared to $33.3 million and $34.1 million,
      respectively, in the trailing and year-earlier three months.
    </p>
    <p>
      <i><b>Non-Covered Loans Held for Investment</b></i>
    </p>
    <p>
      Non-covered loans held for investment totaled $36.8 billion at the end
      of the second quarter, up $624.6 million from the March 31st balance and
      $1.0 billion from the balance at December 31, 2015. The Company
      originated $2.7 billion of loans held for investment in the current
      second quarter, bringing the six-month total to $4.9 billion.
      Multi-family and commercial real estate (&#8220;CRE&#8221;) loans represented 66.5%
      and 11.2%, respectively, of the held-for-investment loans originated in
      the current six-month period.
    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          2
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      The following table summarizes the Company&#8217;s production of loans held
      for investment for the three months ended June 30, 2016, March 31, 2016,
      and June 30, 2015 and for the six months ended June 30, 2016 and 2015:
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="14">
          <b>For the Three Months Ended</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="top" colspan="8">
          <b>For the Six Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="4">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="4">
          <b>March 31,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="4">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="4">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2015</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Mortgage Loans Originated for Investment:</b>
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Multi-family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,672,759
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,580,787
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,581,987
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,253,546
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          4,256,433
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          465,710
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          81,423
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          484,264
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          547,133
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,095,138
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          One-to-four family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          71,448
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          75,207
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,190
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          146,655
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,978
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          66,849
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          39,145
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          43,457
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          105,994
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          114,251
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total mortgage loans originated for investment
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2,276,766
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1,776,562
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          3,114,898
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          4,053,328
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          5,471,800
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Other Loans Originated for Investment:</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Specialty finance
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          341,031
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          197,212
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          296,369
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          538,243
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          527,039
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Other commercial and industrial
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          129,702
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          170,359
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          72,859
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          300,061
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          164,360
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Other
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,206
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          910
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,186
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,116
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,862
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total other loans originated for investment
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          471,939
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          368,481
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          370,414
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          840,420
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          694,261
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total loans originated for investment
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2,748,705
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2,145,043
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          3,485,312
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          4,893,748
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          6,166,061
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      The following table provides additional information about the Company&#8217;s
      multi-family and CRE loan portfolios at June 30, 2016, March 31, 2016,
      and December 31, 2015:
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (dollars in thousands)
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>June 30, </b><br><b>2016</b>
          </p>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>March 31, </b><br><b>2016</b>
          </p>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>December 31, </b><br><b>2015</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Multi-Family Loan Portfolio:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Loans outstanding
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          26,767,207
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          26,423,675
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          25,989,100
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Percent of total held-for-investment loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          72.7
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          73.0
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          72.7
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Average principal balance
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $5,368
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $5,353
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $5,307
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Weighted average life
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.8
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          years
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.9
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          years
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.8
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          years
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Commercial Real Estate Loan Portfolio:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Loans outstanding
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,796,568
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,679,780
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,860,162
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Percent of total held-for-investment loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          21.2
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          21.2
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          22.0
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Average principal balance
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $5,482
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $5,355
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $5,376
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Weighted average life
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.3
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          years
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.3
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          years
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.2
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          years
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      The growth of the multi-family and CRE loan portfolios reflected in the
      preceding table was tempered by sales of loans totaling $426.4 million
      and $19.9 million, respectively, in the current second quarter and by
      sales of loans totaling $865.3 million and $160.8 million, respectively,
      in the first six months of this year. Absent second-quarter sales,
      multi-family loans would have grown at an annualized rate of 11.7% over
      the course of the quarter, and CRE loans would have grown at an
      annualized rate of 7.1%.
    </p>
    <p>
      In addition, the balance of held-for-investment loans at the end of the
      second quarter reflected the following activity:
    </p>
    <ul>
      <li style="margin-bottom: 10.0px">
        One-to-four family loans rose $60.2 million and $129.3 million,
        respectively, to $246.2 million from the balances recorded at March
        31, 2016 and December 31, 2015;
      </li>
      <li style="margin-bottom: 10.0px">
        Acquisition, development, and construction (&#8220;ADC&#8221;) loans rose $16.4
        million and $49.2 million, respectively, to $360.7 million; and
      </li>
      <li style="margin-bottom: 10.0px">
        Other loans rose $87.8 million and $144.3 million, respectively, to
        $1.6 billion. The respective increases were primarily due to the
        growth of the portfolio of specialty finance loans and leases, which
        rose $111.7 million and $127.1 million to $1.0 billion in the three
        and six months ended June 30, 2016, respectively. Other commercial and
        industrial (&#8220;C&amp;I&#8221;) loans declined $22.1 million from the trailing
        quarter-end balance and rose $22.5 million to $592.6 million from the
        balance at December 31st.
      </li>
    </ul>
    <p>
      <i><b>Non-Covered Loans Held for Sale</b></i>
    </p>
    <p>
      The Company originated $2.2 billion of loans held for sale in the six
      months ended June 30, 2016, a $710.8 million reduction from the
      year-earlier amount. Second-quarter originations accounted for $1.3
      billion of the current six-month volume, reflecting a linked-quarter
      increase of $378.0 million and a year-over-year reduction of $117.7
      million.
    </p>
    <p>
      Non-covered loans held for sale totaled $609.9 million at the end of the
      current second quarter, $138.6 million higher than the trailing
      quarter-end balance and $242.7 million higher than the balance at
      December 31st. In the three months ended June 30, 2016, the average
      balance of loans held for sale was $492.1 million, as compared to $348.1
      million and $621.1 million, respectively, in the three months ended
      March 31, 2016 and June 30, 2015.
    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          3
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      <i><b>Pipeline</b></i>
    </p>
    <p>
      The Company has approximately $2.8 billion of loans in its current
      pipeline, including loans held for investment of approximately $1.8
      billion and one-to-four family loans held for sale of approximately $1.0
      billion.
    </p>
    <p>
      <u><b>Asset Quality</b></u>
    </p>
    <p>
      <i>The following discussion pertains only to the Company's portfolio of
      non-covered loans held for investment (excluding purchased
      credit-impaired, or &#8220;PCI,&#8221; loans) and non-covered other real estate
      owned (&quot;OREO&quot;).</i>
    </p>
    <p>
      The quality of the Company&#8217;s assets was reflected in the June 30, 2016
      balances of non-performing non-covered assets and loans, as compared to
      the respective balances at March 31, 2016 and December 31, 2015.
    </p>
    <p>
      Non-performing assets declined $5.9 million and $2.2 million,
      respectively, over the three and six months ended June 30, 2016, to
      $58.7 million, representing 0.12% of total non-covered assets at that
      date. Included in the latter amount were non-performing non-covered
      loans of $45.9 million and OREO of $12.8 million, with the former
      reflecting respective reductions of $3.3 million and $922,000, and the
      latter reflecting respective reductions of $2.6 million and $1.3
      million, over the corresponding periods.
    </p>
    <p>
      The following table presents the Company&#8217;s non-performing non-covered
      loans and assets at the respective dates:
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="4">
          <b>June 30,</b>
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="4">
          <b>March 31,</b>
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>December 31,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (in thousands)
        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="bottom">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2016</b>
        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="bottom">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2016</b>
        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="bottom">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Non-Performing Non-Covered Assets:</b>
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Non-accrual non-covered mortgage loans:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Multi-family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,771
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,900
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,904
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11,811
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11,863
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14,920
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          One-to-four family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          9,952
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11,172
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12,259
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          27
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-accrual non-covered mortgage loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          35,534
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          38,935
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          41,110
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Other non-accrual non-covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          10,369
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          10,298
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,715
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-performing non-covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          45,903
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          49,233
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,825
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Non-covered other real estate owned
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          12,814
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          15,414
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          14,065
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-performing non-covered assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          58,717
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          64,647
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          60,890
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      As indicated in the preceding table, the benefit of a $5.6 million
      decline in non-accrual non-covered mortgage loans to $35.5 million was
      largely offset by a $4.7 million increase in other non-accrual
      non-covered loans to $10.4 million from the balance recorded at December
      31, 2015. This increase was primarily due to the transition to
      non-performing status of $5.5 million of taxi medallion loans.
    </p>
    <p>
      The following table presents the Company's asset quality measures at
      June 30, 2016, March 31, 2016, and December 31, 2015:
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>March 31,</b>
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>December 31,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">

        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="bottom">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="bottom">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Non-performing non-covered loans to total non-covered loans
          </p>
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.12
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.14
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.13
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Non-performing non-covered assets to total non-covered assets
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.12
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.14
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.13
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Allowance for losses on non-covered loans to non-performing
            non-covered loans <sup>(1)</sup>
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          329.67
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          302.77
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          310.08
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Allowance for losses on non-covered loans to total non-covered
            loans <sup>(1)</sup>
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.41
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.41
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.41
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      (1) Excludes the allowance for losses on PCI loans.
    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          4
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      The following table summarizes the Company&#8217;s net charge-offs
      (recoveries) for the three months ended June 30, 2016, March 31, 2016,
      and June 30, 2015 and for the six months ended June 30, 2016 and 2015:
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="17">
          <b>For the Three Months Ended</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="top" colspan="10">
          <b>For the Six Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>March 31,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="4">
          <b>June 30,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2015</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Charge-offs:</b>
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Multi-family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          73
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          73
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          265
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          One-to-four family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          107
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          85
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          153
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          317
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Other
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          950
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          148
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          62
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,098
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          375
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total charge-offs
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1,057
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          194
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          232
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1,251
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1,030
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Recoveries:</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Multi-family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (116
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (1,369
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (35
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (712
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (124
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (747
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (171
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          One-to-four family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (226
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (226
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (167
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (167
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (100
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Other
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (333
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (248
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,044
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (581
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,207
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total recoveries
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (594
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,127
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,284
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,721
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,847
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Net charge-offs (recoveries)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          463
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (933
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,052
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (470
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,817
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Net charge-offs (recoveries) to average loans <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          0.00
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          (0.00
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          )%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          (0.00
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          )%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          (0.00
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          )%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          (0.01
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          )%
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      (1) Non-annualized
    </p>
    <p>
      The following table presents the Company&#8217;s non-covered loans 30 to 89
      days past due at June 30, 2016, March 31, 2016, and December 31, 2015:
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="4">
          <b>June 30,</b>
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="4">
          <b>March 31,</b>
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>December 31,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (in thousands)
        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="top">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2016</b>
        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="bottom">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2016</b>
        </td>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: center" valign="bottom">

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>Non-Covered Loans 30 to 89 Days Past Due:</b>
          </p>
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Multi-family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,253
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          760
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          4,818
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          178
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          One-to-four family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          574
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          380
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,117
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Other
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,005
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,045
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          492
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-covered loans 30 to 89 days past due
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          4,832
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          3,185
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          6,605
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      In the preceding table, the six-month rise in non-covered other loans 30
      to 89 days past due was primarily attributable to taxi medallion loans.
    </p>
    <p>
      Reflecting the six-month declines in non-performing non-covered assets
      and non-covered loans 30 to 89 days past due, total delinquencies fell
      $3.9 million from the balance at the end of December to $63.5 million at
      June 30, 2016. On a linked-quarter basis, total delinquencies fell $4.3
      million, as the benefit of the decrease in non-performing non-covered
      assets was tempered by the impact of the $1.6 million increase in loans
      30 to 89 days past due.
    </p>
    <p>
      <u><b>Securities</b></u>
    </p>
    <p>
      Securities represented $4.0 billion, or 8.1%, of total assets at the end
      of the current second quarter, a $244.2 million reduction from the March
      31st balance and a $2.2 billion reduction from the balance at December
      31st. The respective decreases were largely attributable to calls of
      securities as market interest rates continued to decline.
    </p>
    <p>
      <u><b>Funding Sources</b></u>
    </p>
    <p>
      Deposits totaled $28.9 billion at the end of the current second quarter,
      a $456.2 million increase from the balance at December 31st. The
      increase was primarily due to a $339.8 million rise in NOW and money
      market accounts to $13.4 billion and a $170.4 million rise in
      non-interest-bearing accounts to $2.7 billion. While the balance of
      certificates of deposit (&#8220;CDs&#8221;) rose $1.7 billion during this time to
      $7.0 billion, the benefit was exceeded by a $1.8 billion decline in
      savings accounts to $5.8 billion.
    </p>
    <p>
      Borrowed funds, meanwhile, fell $1.8 billion from the year-end balance
      to $13.9 billion at June 30, 2016. The six-month decline was
      attributable to a $1.8 billion reduction in wholesale borrowings to
      $13.5 billion, representing 27.6% of total assets at that date.
    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          5
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      <u><b>Stockholders&#8217; Equity</b></u>
    </p>
    <p>
      In the six months ended June 30, 2016, stockholders&#8217; equity rose $104.4
      million to $6.0 billion, representing 12.32% of total assets and a book
      value per share of $12.40 at that date. At December 31, 2015,
      stockholders&#8217; equity totaled $5.9 billion, representing 11.79% of total
      assets and a book value per share of $12.24.
    </p>
    <p>
      Excluding goodwill of $2.4 billion and core deposit intangibles (&#8220;CDI&#8221;)
      of $1.1 million from the respective balances of stockholders&#8217; equity and
      total assets, tangible stockholders&#8217; equity rose $105.9 million in the
      first six months of the year to $3.6 billion, representing 7.73% of
      tangible assets and a tangible book value per share of $7.40 at June 30,
      2016. Excluding goodwill of $2.4 billion and CDI of $2.6 million,
      tangible stockholders&#8217; equity totaled $3.5 billion at the end of
      December, representing 7.30% of tangible assets and a tangible book
      value per share of $7.21 at that date.
    </p>
    <p>
      In addition, the regulatory capital ratios for the Company and its
      subsidiary banks continued to exceed the regulatory requirements for
      &#8220;well capitalized&#8221; classification, as indicated in the table located on
      the last page of this release.
    </p>
    <p>
      <u><b>Earnings Summary for the Three Months Ended June 30, 2016</b></u>
    </p>
    <p>
      The Company generated GAAP earnings of $126.5 million, or $0.26 per
      diluted share, in the current second quarter, as compared to $129.9
      million, or $0.27 per diluted share, in the trailing quarter and to
      $123.7 million, or $0.28 per diluted share, in the year-earlier three
      months.
    </p>
    <p>
      In connection with its proposed merger with Astoria Financial
      Corporation (NYSE: AF), the Company recorded merger-related expenses of
      $1.3 million and $1.2 million in the three months ended June 30, 2016
      and March 31, 2016, respectively. There were no comparable expenses in
      the second quarter of 2015.
    </p>
    <p>
      <u><b>Net Interest Income</b></u>
    </p>
    <p>
      The Company recorded net interest income of $325.6 million in the
      current second quarter, $2.3 million less than the trailing-quarter
      level and $40.5 million greater than the year-earlier amount. The
      linked-quarter decline was the net effect of a $4.2 million decrease in
      interest income to $419.6 million and a $1.9 million decrease in
      interest expense to $94.0 million. The year-over-year increase was the
      net effect of a $2.0 million decline in interest income and a $42.5
      million decline in interest expense.
    </p>
    <p>
      <i>Linked-Quarter Comparison</i>
    </p>
    <p>
      The linked-quarter decline in net interest income was primarily due to a
      $1.1 billion reduction in the average balance of interest-earning assets
      to $43.5 billion, as average securities and money market investments
      fell $1.6 billion in connection with the aforementioned high volume of
      securities calls. The impact of the latter decline was only partly
      offset by a 17-basis point rise in the average yield on such assets to
      4.26%, even as the contribution of prepayment income from securities
      fell 13 basis points to 69 basis points. In addition, the average
      balance of loans rose $416.1 million to $38.9 billion and the average
      yield on such assets rose seven basis points to 3.82%. Prepayment income
      on loans contributed 19 basis points to that average, reflecting a
      linked-quarter increase of eight basis points.
    </p>
    <p>
      The linked-quarter decline in net interest income was partly offset by
      the benefit of a $1.6 billion reduction in the average balance of
      interest-bearing liabilities to $39.6 billion, as a modest increase in
      average interest-bearing deposits was exceeded by a $1.7 billion decline
      in average borrowed funds. The latter decline was attributable to a
      reduction in short-term wholesale borrowings during the current second
      quarter, which contributed to an 11-basis point rise in the average cost
      of borrowed funds to 1.58%. Reflecting the latter increase and a more
      modest rise in the average cost of interest-bearing deposits, the
      average cost of interest-bearing liabilities was 0.96%.
    </p>
    <p>
      <i>Year-over-Year Comparison</i>
    </p>
    <p>
      The year-over-year rise in net interest income largely reflects the
      benefit of the strategic debt repositioning that took place in the
      fourth quarter of 2015, which resulted in a $43.5 million reduction in
      the interest expense from borrowed funds. While the average balance of
      borrowed funds fell $126.5 million year-over-year, the more significant
      factor was a 127-basis point decline in the average cost of such funds
      to 1.58%. These declines far exceeded the impact of a $196.0 million
      rise in the average balance of interest-bearing deposits and an equally
      modest rise in their average cost.
    </p>
    <p>
      The year-over-year increase in net interest income was modestly tempered
      by a $2.0 million decline in interest income as the benefit of a $370.4
      million rise in the average balance of interest-earning assets was
      exceeded by the impact of a five-basis point decline in the average
      yield. While the average balance of securities and money market
      investments fell $2.8 billion in connection with the increase in
      securities calls and repayments, the average balance of loans rose $3.1
      billion during this time. Partly reflecting an 11-basis point decline in
      the contribution of prepayment income, the average yield on loans fell
      19 basis points year-over-year, while the average yield on securities
      and money market investments rose 81 basis points. Prepayment income
      accounted for 40 basis points of this increase.
    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          6
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      <i>Net Interest Margin</i>
    </p>
    <p>
      In addition, the Company&#8217;s net interest margin rose five basis points
      sequentially and 35 basis points from the year-earlier measure to 2.99%
      in the second quarter of 2016. While the year-over-year increase largely
      reflects the decline in the average cost of funds attributable to the
      debt repositioning that occurred in last year&#8217;s fourth quarter, the
      linked-quarter rise largely reflects the decline in the average balance
      of interest-earning assets attributable to the significant reduction in
      average securities. In addition, prepayment income contributed 24 basis
      points to the margin in the current second quarter, as compared to 22
      basis points and 29 basis points, respectively, in the trailing and
      year-earlier three months.
    </p>
    <p>
      The following table summarizes the contribution of prepayment income
      from loans and securities to the Company&#8217;s interest income and net
      interest margin in the three months ended June 30, 2016, March 31, 2016,
      and June 30, 2015.
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
          <p style="margin-bottom: 0px; margin-top: 0px">
            (in thousands)
          </p>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>June 30, </b><br><b>2016</b>
          </p>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>March 31, </b><br><b>2016</b>
          </p>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>June 30, </b><br><b>2015</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Total interest income</b>
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          419,615
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          423,810
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          421,620
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Prepayment income:</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          From loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          18,192
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11,034
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          26,726
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          From securities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          8,052
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          12,696
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,297
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total prepayment income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          26,244
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          23,730
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          32,023
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Net interest margin</b> (including the contribution of prepayment
          income)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.99
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.94
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.64
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Less:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Contribution of prepayment income to net interest margin:
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          From loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          16
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          bps
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          bps
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          24
        </td>
        <td style="padding-left: 5.0px; text-align: left" valign="bottom">
          bps
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          From securities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          8
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          12
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total contribution of prepayment income to net interest margin
        </td>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          24
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 5.0px; text-align: left; border-bottom-width: 2.25pt" valign="bottom">
          bps
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          22
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 5.0px; text-align: left; border-bottom-width: 2.25pt" valign="bottom">
          bps
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          29
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 5.0px; text-align: left; border-bottom-width: 2.25pt" valign="bottom">
          bps
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Adjusted net interest margin</b> (i.e., excluding the
          contribution of prepayment income)
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.75
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.72
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.35
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      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:
    </p>
    <ol>
      <li style="margin-bottom: 10.0px">
        Adjusted net interest margin gives investors a better understanding of
        the effect on our net interest income excluding the contribution of
        prepayment income. 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.
      </li>
      <li style="margin-bottom: 10.0px">
        Adjusted net interest margin is among the measures considered by
        current and prospective investors, both independent of, and in
        comparison with, the Company&#8217;s peers.
      </li>
    </ol>
    <p>
      Adjusted net interest margin should not be considered in isolation or as
      a substitute for net interest margin, which is calculated in accordance
      with GAAP. Moreover, the manner in which we calculate this non-GAAP
      measure may differ from that of other companies reporting a non-GAAP
      measure with a similar name.
    </p>
    <p>
      <u><b>Provision for (Recovery of) Loan Losses</b></u>
    </p>
    <p>
      <i><b>Provision for (Recovery of) Losses on Non-Covered Loans</b></i>
    </p>
    <p>
      Reflecting management&#8217;s assessment of the adequacy of the non-covered
      loan loss allowance, the Company recorded a $2.7 million provision for
      non-covered loan losses in the current second quarter, consistent with
      the provision recorded in the first quarter of this year. In the second
      quarter of 2015, the Company recovered $1.9 million from the allowance
      for losses on non-covered loans.
    </p>
    <p>
      <i><b>(Recovery of) Provision for Losses on Covered Loans</b></i>
    </p>
    <p>
      Reflecting an increase in the cash flows expected from certain pools of
      acquired loans covered by FDIC loss-sharing agreements, the Company
      recovered $1.8 million and $2.9 million from the allowance for covered
      loan losses in the three months ended June 30, 2016 and March 31, 2016,
      respectively. In the three months ended June 30, 2015, the Company
      recorded a $2.2 million provision for covered loan losses as the cash
      flows from certain pools of acquired covered loans was expected to
      decline.
    </p>
    <p>
      The recoveries recorded in the three months ended June 30, 2016 and
      March 31, 2016 were largely offset by FDIC indemnification expense of
      $1.5 million and $2.3 million, respectively, while the provision
      recorded in the year-earlier second quarter was largely offset by FDIC
      indemnification income of $1.8 million. FDIC indemnification expense and
      income are recorded in &#8220;Non-interest income&#8221; as further discussed in the
      paragraph below.
    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          7
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      <u><b>Non-Interest Income</b></u>
    </p>
    <p>
      Non-interest income totaled $37.4 million in the current second quarter,
      $2.1 million higher than the trailing-quarter level and $24.5 million
      lower than the year-earlier amount.
    </p>
    <p>
      The following factors contributed to the linked-quarter increase in
      non-interest income:
    </p>
    <ul>
      <li style="margin-bottom: 10.0px">
        Mortgage banking income rose $2.8 million to $7.0 million, as the
        impact of a $3.4 million decline in income from originations to $10.2
        million was exceeded by a $6.2 million reduction in the loss on
        servicing. While the production of one-to-four family loans held for
        sale rose in the current second quarter, the level of income from
        originations recorded in the trailing quarter was increased by the
        reversal of $5.9 million from the representation and warranty reserve
        on such loans.
      </li>
      <li style="margin-bottom: 10.0px">
        While the servicing losses recorded in the first and second quarters
        of this year reflect the impact of interest rate volatility on the
        effectiveness of hedging, the servicing loss recorded in the first
        quarter was primarily attributable to a change in the valuation model
        assumptions relating to the Company&#8217;s mortgage servicing rights.
      </li>
    </ul>
    <p>
      The linked-quarter increase in non-interest income was largely offset by
      a $2.5 million decline in bank-owned life insurance income to $6.8
      million.
    </p>
    <p>
      The following factors contributed to the year-over-year decline in
      non-interest income:
    </p>
    <ul>
      <li style="margin-bottom: 10.0px">
        Mortgage banking income fell $9.0 million, largely reflecting the $8.6
        million difference between the $3.2 million servicing loss recorded in
        the current second quarter and the $5.4 million of servicing income
        recorded in the second quarter of 2015.
      </li>
      <li style="margin-bottom: 10.0px">
        Other income declined by $8.0 million from the year-earlier level
        which included a $7.8 million gain on the sale of a multi-family
        building that had been classified as OREO.
      </li>
      <li style="margin-bottom: 10.0px">
        The gain on sales of loans fell $2.9 million year-over-year to $5.9
        million in the three months ended June 30, 2016.
      </li>
      <li style="margin-bottom: 10.0px">
        In contrast to the FDIC indemnification expense recorded in the
        current second quarter, the Company recorded FDIC indemnification
        income of $1.8 million in the second quarter of 2015.
      </li>
    </ul>
    <p>
      The following table summarizes our mortgage banking income for the
      periods indicated:
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="16">
          <b>For the Three Months Ended</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="top" colspan="9">
          <b>For the Six Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>March 31,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="4">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2015</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>Mortgage Banking Income:</b>
          </p>
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Income from originations
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10,194
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,613
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10,560
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          23,807
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          26,075
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Servicing (loss) income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (3,237
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (9,475
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,408
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (12,712
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          8,299
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total mortgage banking income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          6,957
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          4,138
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          15,968
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          11,095
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          34,374
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: left">
      <u><b>Non-Interest Expense</b></u>
    </p>
    <p style="text-align: left">
      Non-interest expense totaled $160.9 million in the current second
      quarter, a $2.5 million increase from the trailing-quarter level and a
      $9.0 million increase from the year-earlier amount. Operating expenses
      accounted for $159.1 million of the current second-quarter total,
      reflecting a linked-quarter increase of $2.7 million and a
      year-over-year increase of $8.5 million.
    </p>
    <p style="text-align: left">
      The linked-quarter increase in operating expenses was due to an $8.3
      million rise in general and administrative (&#8220;G&amp;A&#8221;) expense to $49.5
      million, primarily the result of an increase in FDIC deposit insurance
      premiums, professional fees, and non-income-related taxes. The increase
      in G&amp;A expense was largely offset by the combination of a $3.5 million
      decline in compensation and benefits expense to $85.8 million and a $2.1
      million decline in occupancy and equipment expense to $23.7 million.
    </p>
    <p style="text-align: left">
      The year-over-year increase in operating expenses was the net effect of
      an $8.0 million rise in G&amp;A expense, a $2.8 million rise in compensation
      and benefits expense, and a $2.3 million reduction in occupancy and
      equipment expense. While the same factors that contributed to the
      linked-quarter rise in G&amp;A expense contributed to the year-over-year
      increase, the rise in compensation and benefits expense was attributable
      to normal salary increases, the granting of performance-based
      stock-related incentives, and the expansion of certain back-office
      departments in anticipation of a transition to SIFI status.
    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          8
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p style="text-align: left">
      <u><b>Income Tax Expense</b></u>
    </p>
    <p style="text-align: left">
      Income tax expense totaled $74.7 million in the current second quarter,
      modestly lower than the trailing-quarter level and $3.6 million higher
      than the year-earlier amount. The linked-quarter decrease was
      attributable to a $3.7 million decline in pre-tax income to $201.1
      million and an increase in the effective tax rate to 37.13% from 36.58%.
      The year-over-year rise in income tax expense was attributable to a $6.4
      million increase in pre-tax income and an increase in the effective tax
      rate from 36.48%.
    </p>
    <p style="text-align: left">
      <u><b>About New York Community Bancorp, Inc.</b></u>
    </p>
    <p style="text-align: left">
      One of the largest U.S. bank holding companies, with assets of $49.0
      billion, 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 and New York
      Commercial Bank. With deposits of $28.9 billion and 256 branches in
      Metro New York, New Jersey, Florida, Ohio, and Arizona, the Company also
      ranks among the largest depositories in the United States.
    </p>
    <p style="text-align: left">
      Reflecting its growth through a series of acquisitions, the Community
      Bank currently operates through seven local divisions, each with a
      history of service and strength: Queens County Savings Bank, Roslyn
      Savings Bank, Richmond County Savings Bank, and Roosevelt Savings Bank
      in New York; Garden State Community Bank in New Jersey; Ohio Savings
      Bank in Ohio; and AmTrust Bank in Florida and Arizona. Similarly, New
      York Commercial Bank currently operates 18 of its 30 New York-based
      branches under the divisional name Atlantic Bank. Additional information
      about the Company and its bank subsidiaries is available at <u>www.myNYCB.com</u>
      and <u>www.NewYorkCommercialBank.com</u>.
    </p>
    <p style="text-align: left">
      <u><b>Post-Earnings Release Conference Call</b></u>
    </p>
    <p style="text-align: left">
      As previously announced, the Company will host a conference call on
      Wednesday, July 27, 2016, at 8:30 a.m. (Eastern Daylight Time) to
      discuss its second quarter 2016 earnings and strategies. The conference
      call may be accessed by dialing (877) 407-8293 (for domestic calls) or
      (201) 689-8349 (for international calls) and asking for &#8220;New York
      Community Bancorp&#8221; or &#8220;NYCB&#8221;. A replay will be available approximately
      three hours following completion of the call through 11:59 p.m. on July
      31st, and may be accessed by calling (877) 660-6853 (domestic) or (201)
      612-7415 (international) and providing the following conference ID:
      13639780. In addition, the conference call will be webcast at
      ir.myNYCB.com, and archived through 5:00 p.m. on August 24, 2016.
    </p>
    <p style="text-align: left">
      <u><b>Cautionary Statements Regarding Forward-Looking Information</b></u>
    </p>
    <p style="text-align: left">
      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, including the proposed
      merger with Astoria Financial; 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.
    </p>
    <p style="text-align: left">
      Forward-looking statements are typically identified by such words as
      &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;outlook,&#8221; &#8220;estimate,&#8221;
      &#8220;forecast,&#8221; &#8220;project,&#8221; 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.
    </p>
    <p style="text-align: left">
      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, including regulatory approval of the proposed Astoria
      Financial merger; 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.
    </p>
    <p style="text-align: left">
      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, 2015
      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&#8217;s website, <u>www.sec.gov</u>.
    </p>
    <p style="text-align: center">
      - Financial Statements and Highlights Follow -
    </p>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          9
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p style="text-align: center">

    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="10">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="top" colspan="10">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>NEW YORK COMMUNITY BANCORP, INC. </b><br><b>CONSOLIDATED
            STATEMENTS OF CONDITION</b>
          </p>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
        <td>
          &#160;
        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>December 31,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          (in thousands, except share data)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          (unaudited)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Assets</b>
        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Cash and cash equivalents
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          674,289
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          537,674
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Securities:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Available-for-sale
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          154,270
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          204,255
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Held-to-maturity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          3,822,561
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,969,390
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total securities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,976,831
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,173,645
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Loans held for sale
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          609,894
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          367,221
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Non-covered mortgage loans held for investment:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Multi-family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          26,767,207
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          25,989,100
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,796,568
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,860,162
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          360,659
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          311,479
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          One-to-four family
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          246,183
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          116,841
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-covered mortgage loans held for investment
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          35,170,617
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          34,277,582
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Other non-covered loans:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Commercial and industrial loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,602,648
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,453,039
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Other loans
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          27,265
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          32,583
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-covered other loans held for investment
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,629,913
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,485,622
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-covered loans held for investment
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          36,800,530
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          35,763,204
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Less: Allowance for losses on non-covered loans
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (153,059
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (147,124
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Non-covered loans held for investment, net
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          36,647,471
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          35,616,080
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,890,883
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,060,089
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Less: Allowance for losses on covered loans
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (26,649
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (31,395
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Covered loans, net
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,864,234
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,028,694
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total loans, net
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          39,121,599
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          38,011,995
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Federal Home Loan Bank stock, at cost
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          586,835
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          663,971
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Premises and equipment, net
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          366,921
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          322,307
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          FDIC loss share receivable
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          280,942
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          314,915
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Goodwill
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,436,131
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,436,131
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Core deposit intangibles, net
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,146
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,599
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Other assets (includes $20,083 and $25,817, respectively, of other
            real estate owned covered by loss sharing agreements)
          </p>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,591,053
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,854,559
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Total assets</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          49,035,747
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          50,317,796
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Liabilities and Stockholders&#8217; Equity</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Deposits:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          NOW and money market accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,408,815
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,069,019
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Savings accounts
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,782,697
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,541,566
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,017,413
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,312,487
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Non-interest-bearing accounts
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,674,067
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,503,686
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total deposits
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          28,882,992
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          28,426,758
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Borrowed funds:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Wholesale borrowings
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,549,400
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,389,800
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Junior subordinated debentures
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          358,739
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          358,605
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total borrowed funds
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,908,139
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,748,405
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Other liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          205,504
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          207,937
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          42,996,635
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          44,383,100
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Stockholders&#8217; equity:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Preferred stock at par $0.01 (5,000,000 shares authorized; none
          issued)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Common stock at par $0.01 (900,000,000 shares authorized;
            487,016,052 and 484,968,024 shares issued; and 487,009,706 and
            484,943,308 shares outstanding, respectively)
          </p>
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          4,870
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          4,850
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Paid-in capital in excess of par
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,031,540
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,023,882
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Retained earnings (accumulated deficit)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          54,866
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (36,568
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Treasury stock, at cost (6,346 and 24,716 shares, respectively)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (94
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (447
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Accumulated other comprehensive loss, net of tax:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Net unrealized gain on securities available for sale, net of tax
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,273
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,031
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Net unrealized loss on the non-credit portion of
          other-than-temporary impairment losses, net of tax
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (5,280
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (5,318
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          Pension and post-retirement obligations, net of tax
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (52,063
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (54,734
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Total accumulated other comprehensive loss, net of tax
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (52,070
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (57,021
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          6,039,112
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,934,696
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Total liabilities and stockholders&#8217; equity</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          49,035,747
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          50,317,796
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          10
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="30">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="top" colspan="30">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>NEW YORK COMMUNITY BANCORP, INC. </b><br><b>CONSOLIDATED
            STATEMENTS OF OPERATIONS </b><br>(in thousands, except per share
            data)<br>(unaudited)
          </p>
        </td>
      </tr>
      <tr>
        <td colspan="30">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="17">
          <b>For the Three Months Ended</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="10">
          <b>For the Six Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>March 31,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="5">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="4">
          <b>June 30,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2015</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="5">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="4">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Interest Income:</b>
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Mortgage and other loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          370,482
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          360,723
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          357,999
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          731,205
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          722,503
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Securities and money market investments
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          49,133
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          63,087
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          63,621
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          112,220
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          128,030
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total interest income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          419,615
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          423,810
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          421,620
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          843,425
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          850,533
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Interest Expense:</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          NOW and money market accounts
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,286
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14,619
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11,727
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          29,905
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          22,779
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Savings accounts
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,354
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10,208
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12,925
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          17,562
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          25,258
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          18,738
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,890
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,729
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          34,628
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          32,845
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Borrowed funds
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          52,664
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          55,227
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          96,142
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          107,891
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          191,786
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total interest expense
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          94,042
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          95,944
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          136,523
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          189,986
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          272,668
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Net interest income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          325,573
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          327,866
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          285,097
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          653,439
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          577,865
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Provision for (recovery of) losses on non-covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,744
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,721
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (1,872
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,465
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,742
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (Recovery of) provision for losses on covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,849
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,897
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,206
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (4,746
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          3,083
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          Net interest income after provision for (recovery of) loan losses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          324,678
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          328,042
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          284,763
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          652,720
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          577,524
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Non-Interest Income:</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Mortgage banking income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,957
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          4,138
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,968
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11,095
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          34,374
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Fee income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,917
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,923
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8,778
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,840
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          17,172
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Bank-owned life insurance
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,843
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          9,336
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,774
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          16,179
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,478
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Net gain on sales of loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,878
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,775
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8,757
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11,653
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14,703
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Net gain on sales of securities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          163
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          592
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          176
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          803
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          FDIC indemnification (expense) income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (1,479
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,318
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,764
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (3,797
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,466
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Other income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          11,237
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          10,220
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          19,268
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          21,457
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          31,139
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-interest income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          37,366
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          35,237
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          61,901
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          72,603
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          114,135
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Non-Interest Expense:</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Operating expenses:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Compensation and benefits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          85,847
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          89,304
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          83,067
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          175,151
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          170,276
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Occupancy and equipment
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          23,675
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          25,815
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          25,941
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          49,490
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          51,240
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          General and administrative
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          49,533
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          41,270
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          41,577
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          90,803
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          84,321
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total operating expenses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          159,055
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          156,389
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          150,585
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          315,444
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          305,837
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Amortization of core deposit intangibles
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          606
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          846
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,345
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1,452
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,929
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Merger-related expenses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,250
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,213
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          --
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2,463
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          --
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Total non-interest expense
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          160,911
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          158,448
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          151,930
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          319,359
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          308,766
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Income before income taxes
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          201,133
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          204,831
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          194,734
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          405,964
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          382,893
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Income tax expense
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          74,673
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          74,922
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          71,030
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          149,595
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          139,930
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          <b>Net Income</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          126,460
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          129,909
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          123,704
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          256,369
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          242,963
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          <b>Basic earnings per share</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.26
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.27
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.28
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.52
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.55
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          <b>Diluted earnings per share</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.26
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.27
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.28
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.52
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom" colspan="2">
          $0.55
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; border-bottom-width: 2.25pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          11
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p style="text-align: center">
      <b>NEW YORK COMMUNITY BANCORP, INC.</b><br><b>RECONCILIATIONS OF CERTAIN
      GAAP AND NON-GAAP FINANCIAL MEASURES</b><br>(unaudited)
    </p>
    <p>
      While stockholders&#8217; equity, total assets, and book value per share are
      financial measures that are recorded in accordance with U.S. generally
      accepted accounting principles (&quot;GAAP&quot;), tangible stockholders&#8217; equity,
      tangible assets, and the related measures are not. Nevertheless, it is
      management&#8217;s belief that these non-GAAP measures should be disclosed in
      our earnings releases and other investor communications for the
      following reasons:
    </p>
    <ol>
      <li style="margin-bottom: 10.0px">
        Tangible stockholders&#8217; equity is an important indication of the
        Company&#8217;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.
      </li>
      <li style="margin-bottom: 10.0px">
        Returns on average tangible assets and average tangible stockholders&#8217;
        equity are among the profitability measures considered by current and
        prospective investors, both independent of, and in comparison with,
        the company&#8217;s peers.
      </li>
      <li style="margin-bottom: 10.0px">
        Tangible book value per share and the ratio of tangible stockholders&#8217;
        equity to tangible assets are among the capital measures considered by
        current and prospective investors, both independent of, and in
        comparison with, its peers.
      </li>
    </ol>
    <p>
      Tangible stockholders&#8217; equity, tangible assets, and the related non-GAAP
      profitability and capital measures should not be considered in isolation
      or as a substitute for stockholders&#8217; 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.
    </p>
    <p>
      The following table presents reconciliations of our stockholders&#8217; equity
      and tangible stockholders&#8217; equity, our total assets and tangible assets,
      and the related GAAP and non-GAAP profitability and capital measures at
      or for the three months ended June 30, 2016, March 31, 2016, and June
      30, 2015 and the six months ended June 2016 and 2015:
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="11">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="7">

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="11">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>At or for the </b><br><b>Three Months Ended</b>
          </p>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="7">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>At or for the </b><br><b>Six Months Ended</b>
          </p>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>March 31,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (dollars in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Total Stockholders&#8217; Equity</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,039,112
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,984,800
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,814,623
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,039,112
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,814,623
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Less: Goodwill
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 35.0px; text-align: left" valign="bottom">
          Core deposit intangibles
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,146
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,753
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (5,014
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,146
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (5,014
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Tangible stockholders&#8217; equity</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,601,835
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,546,916
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,373,478
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,601,835
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,373,478
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Total Assets</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          49,035,747
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          48,515,572
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          48,648,532
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          49,035,747
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          48,648,532
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Less: Goodwill
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          (2,436,131
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 35.0px; text-align: left" valign="bottom">
          Core deposit intangibles
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,146
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,753
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (5,014
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (1,146
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (5,014
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Tangible assets</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,598,470
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,077,688
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,207,387
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,598,470
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,207,387
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Average Stockholders&#8217; Equity</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,029,168
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,973,381
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,809,787
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,001,274
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,806,069
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Less: Average goodwill and core deposit intangibles
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,437,655
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,438,438
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,442,007
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,438,047
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,442,763
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Average tangible stockholders&#8217; equity</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,591,513
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,534,943
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,367,780
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,563,227
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3,363,306
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Average Assets</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          48,699,341
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          49,951,947
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          48,329,195
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          49,325,644
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          48,548,157
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Less: Average goodwill and core deposit intangibles
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,437,655
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,438,438
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,442,007
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,438,047
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          (2,442,763
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Average tangible assets</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,261,686
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          47,513,509
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          45,887,188
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,887,597
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          46,105,394
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Net Income </b><sup>(1)</sup>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $126,460
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $129,909
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $123,704
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $256,369
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $242,963
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          Add back: Amortization of core deposit intangibles, net of tax
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          364
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          508
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          807
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          871
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1,757
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Adjusted net income </b><sup>(2)</sup>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $126,824
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $130,417
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $124,511
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $257,240
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $244,720
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>GAAP:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Return on average assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.04
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.04
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.02
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.04
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.00
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Return on average stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.39
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.70
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.52
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.54
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.37
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Book value per share
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $12.40
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $12.29
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $13.09
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $12.40
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          $13.09
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Stockholders&#8217; equity to total assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.32
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.34
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.95
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.32
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.95
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Non-GAAP:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Return on average tangible assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.10
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.10
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.09
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.10
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.06
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Return on average tangible stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.12
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.76
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.79
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.44
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.55
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Tangible book value per share
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          <p style="margin-bottom: 0px; margin-top: 0px">
            $&#160;7.40
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          <p style="margin-bottom: 0px; margin-top: 0px">
            $&#160;7.28
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          <p style="margin-bottom: 0px; margin-top: 0px">
            $&#160;7.59
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          <p style="margin-bottom: 0px; margin-top: 0px">
            $&#160;7.40
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom" colspan="2">
          <p style="margin-bottom: 0px; margin-top: 0px">
            $&#160;7.59
          </p>
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Tangible stockholders&#8217; equity to tangible assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.73
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.70
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.30
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.73
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.30
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          To calculate our returns on average assets and average stockholders&#8217;
          equity for a period, we divide the net income generated during that
          period by the average assets and the average stockholders&#8217; equity
          recorded during that time.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="top">
          (2)
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            To calculate our returns on average tangible assets and average
            tangible stockholders&#8217; equity for a period, we adjust the net
            income generated during that period by adding back the
            amortization of CDI, net of tax, and then divide that adjusted net
            income by the average tangible assets and the average tangible
            stockholders&#8217; equity recorded during that time.
          </p>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          12
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="28">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="top" colspan="28">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>NEW YORK COMMUNITY BANCORP, INC. </b><br><b>NET INTEREST INCOME
            ANALYSIS </b><br><b>LINKED-QUARTER AND YEAR-OVER-YEAR COMPARISONS </b><br>(unaudited)
          </p>
        </td>
      </tr>
      <tr>
        <td colspan="28">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="26">
          <b>For the Three Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="8">
          <b>June 30, 2016</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="8">
          <b>March 31, 2016</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="8">
          <b>June 30, 2015</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Yield/</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Yield/</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Yield/</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (dollars in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Cost</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Cost</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Cost</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Assets:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Interest-earning assets:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Mortgage and other loans, net
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          38,853,991
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          370,482
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.82
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          38,437,915
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          360,723
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.75
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          35,721,805
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          357,999
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          4.01
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          Securities and money market investments
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          4,619,569
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          49,133
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          4.26
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          6,176,122
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          63,087
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          4.09
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          7,381,373
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          63,621
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          3.45
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total interest-earning assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43,473,560
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          419,615
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.86
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          44,614,037
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          423,810
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.80
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43,103,178
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          421,620
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.91
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Non-interest-earning assets
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,225,781
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,337,910
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,226,017
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Total assets
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          48,699,341
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          49,951,947
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          48,329,195
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Liabilities and Stockholders&#8217; Equity:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Interest-bearing deposits:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          NOW and money market accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,406,017
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15,286
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.46
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,285,335
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14,619
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.44
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12,664,816
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11,727
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.37
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Savings accounts
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          5,849,980
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,354
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.51
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,863,220
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10,208
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.60
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,630,389
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12,925
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.68
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          6,933,766
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          18,738
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1.09
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,915,482
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          15,890
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1.08
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,698,530
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          15,729
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1.11
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total interest-bearing deposits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          26,189,763
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          41,378
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.64
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          26,064,037
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          40,717
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.63
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          25,993,735
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          40,381
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.62
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Borrowed funds
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          13,386,815
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          52,664
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1.58
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          15,063,985
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          55,227
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1.47
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          13,513,317
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          96,142
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2.85
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total interest-bearing liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          39,576,578
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          94,042
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.96
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          41,128,022
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          95,944
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.94
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          39,507,052
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          136,523
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.39
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Non-interest-bearing deposits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,971,058
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,647,331
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,811,598
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Other liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          122,537
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          203,213
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          200,758
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          42,670,173
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43,978,566
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          42,519,408
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          6,029,168
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,973,381
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,809,787
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Total liabilities and stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          48,699,341
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          49,951,947
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          48,329,195
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Net interest income (loss)/interest rate spread
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          325,573
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.90
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          327,866
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.86
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          285,097
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.52
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Net interest margin
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.99
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.94
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.64
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Ratio of interest-earning assets to interest-bearing liabilities
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1.10
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; text-align: left; border-bottom-width: 2.25pt" valign="bottom">
          x
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1.08
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; text-align: left; border-bottom-width: 2.25pt" valign="bottom">
          x
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1.09
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; text-align: left; border-bottom-width: 2.25pt" valign="bottom">
          x
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          13
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="19">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="top" colspan="19">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>NEW YORK COMMUNITY BANCORP, INC. </b><br><b>NET INTEREST INCOME
            ANALYSIS </b><br><b>YEAR-OVER-YEAR COMPARISON </b><br>(unaudited)
          </p>
        </td>
      </tr>
      <tr>
        <td colspan="19">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="17">
          <b>For the Six Months Ended June 30,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="8">
          <b>2016</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="8">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Yield/</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Average</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="2">
          <b>Yield/</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (dollars in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Cost</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="2">
          <b>Cost</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Assets:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Interest-earning assets:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Mortgage and other loans, net
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          38,645,953
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          731,205
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.79
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          35,840,441
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          722,503
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          4.03
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          Securities and money market investments
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,397,845
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          112,220
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          4.17
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          7,461,531
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          128,030
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          3.44
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total interest-earning assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          44,043,798
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          843,425
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.83
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43,301,972
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          850,533
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          3.93
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Non-interest-earning assets
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,281,846
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,246,185
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Total assets
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          49,325,644
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          48,548,157
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Liabilities and Stockholders&#8217; Equity:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Interest-bearing deposits:
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          NOW and money market accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13,345,676
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          29,905
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.45
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12,516,646
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          22,779
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.37
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="bottom">
          Savings accounts
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          6,356,600
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          17,562
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.56
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7,579,966
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          25,258
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.67
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 30.0px; text-align: left" valign="bottom">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          6,424,624
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          34,628
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1.08
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,890,751
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          32,845
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1.12
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total interest-bearing deposits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          26,126,900
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          82,095
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.63
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          25,987,363
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          80,882
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.63
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Borrowed funds
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          14,225,400
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          107,891
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          1.52
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          13,877,174
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          191,786
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          2.79
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total interest-bearing liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          40,352,300
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          189,986
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.95
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          39,864,537
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          272,668
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.38
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Non-interest-bearing deposits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,809,195
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2,662,117
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Other liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          162,875
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          215,434
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43,324,370
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          42,742,088
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          6,001,274
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; border-bottom-width: 1.0pt">
          &#160;
        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom">
          5,806,069
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Total liabilities and stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          49,325,644
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          48,548,157
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Net interest income/interest rate spread
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          653,439
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.88
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          577,865
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.55
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Net interest margin
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.96
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          2.66
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 4.0px; padding-left: 15.0px; text-align: left" valign="bottom">
          Ratio of interest-earning assets to interest-bearing liabilities
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1.09
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; text-align: left; border-bottom-width: 2.25pt" valign="bottom">
          x
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px; border-bottom-width: 2.25pt" valign="bottom">
          1.09
        </td>
        <td style="border-bottom-style: double; border-bottom-color: black; padding-left: 0.0px; text-align: left; border-bottom-width: 2.25pt" valign="bottom">
          x
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="margin-bottom: 10pt; margin-right: 0pt; width: 100%; margin-left: 0pt; text-indent: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-size: 8pt; text-align: center; font-family: Times New Roman">
          14
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="11">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="7">

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="top" colspan="21">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>NEW YORK COMMUNITY BANCORP, INC. </b><br><b>CONSOLIDATED
            FINANCIAL HIGHLIGHTS </b><br>(unaudited)
          </p>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="11">

        </td>
        <td>

        </td>
        <td colspan="7">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="11">
          <b>For the Three Months Ended</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="7">
          <b>For the Six Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>March 31,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px" valign="bottom" colspan="3">
          <b>June 30,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-bottom: 2.0px; padding-left: 0.0px; text-align: left" valign="bottom">
          (dollars in thousands except share and per share data)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <b>2015</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>PROFITABILITY MEASURES:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Net income
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          126,460
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          129,909
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          123,704
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          256,369
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          242,963
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Basic earnings per share
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.26
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.27
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.28
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.52
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.55
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Diluted earnings per share
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.26
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.27
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.28
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.52
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          0.55
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Return on average assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.04
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.04
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.02
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.04
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.00
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Return on average stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.39
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.70
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.52
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.54
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.37
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Efficiency ratio <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43.82
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43.07
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43.40
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          43.45
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          44.20
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Operating expenses to average assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.31
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.25
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.25
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.28
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          1.26
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Interest rate spread
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.90
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.86
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.52
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.88
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.55
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Net interest margin
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.99
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.94
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.64
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.96
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          2.66
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Effective tax rate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          37.13
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          36.58
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          36.48
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          36.85
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          36.55
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Shares used for basic EPS computation
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          485,303,073
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          484,605,397
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          442,721,173
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          484,954,235
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          442,357,774
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Shares used for diluted EPS computation
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          485,303,073
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          484,605,397
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          442,721,173
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          484,954,235
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          442,357,774
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Shares outstanding at the respective period-ends
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          487,009,706
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          486,929,814
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          444,336,836
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          487,009,706
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          444,336,836
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      (1) We calculate our efficiency ratio by dividing our operating expenses
      by the sum of our net interest income and non-interest income.
    </p>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>June 30, </b><br><b>2016</b>
          </p>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>March 31, </b><br><b>2016</b>
          </p>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-color: black; padding-left: 0.0px; white-space: nowrap; text-align: center; padding-right: 0.0px; border-bottom-width: 1.0pt" valign="bottom" colspan="3">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>June 30, </b><br><b>2015</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>CAPITAL MEASURES:</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Book value per share
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.40
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.29
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13.09
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Tangible book value per share <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.40
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.28
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.59
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Stockholders&#8217; equity to total assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.32
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.34
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.95
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Tangible stockholders&#8217; equity to tangible assets <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.73
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.70
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.30
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>REGULATORY CAPITAL RATIOS: <sup>(2)</sup></b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>New York Community Bancorp, Inc.</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Common equity tier 1 ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10.19
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10.50
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10.82
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Leverage capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.92
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.60
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.68
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Tier 1 risk-based capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10.19
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10.50
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.10
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total risk-based capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.67
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.05
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.52
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>New York Community Bank</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Common equity tier 1 ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10.63
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.03
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.41
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Leverage capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.32
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          8.03
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          7.92
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Tier 1 risk-based capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10.63
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.03
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.41
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total risk-based capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.12
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.55
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.02
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>New York Commercial Bank</b>
        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Common equity tier 1 ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.89
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.76
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.77
        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Leverage capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          11.13
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          10.46
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          9.34
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Tier 1 risk-based capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.89
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          14.76
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          12.77
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Total risk-based capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15.60
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          15.45
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: right; padding-right: 0.0px" valign="bottom">
          13.27
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="margin-bottom: 10.0px; width: 100%; font-size: 8pt; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Please see the reconciliations of these non-GAAP measures with the
          comparable GAAP measures on page 12 of this release.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; white-space: nowrap; text-align: left; padding-right: 0.0px" valign="top">
          (2)
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          The minimum regulatory requirements for classification as a
          well-capitalized institution are a common equity tier 1 capital
          ratio of 6.50%; a leverage capital ratio of 5.00%; a tier 1
          risk-based capital ratio of 8.00%; and a total risk-based capital
          ratio of 10.00%.
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>

    </p>
    <p>
      CONTACT:<br><b>For New York Community Bancorp, Inc.</b><br>Investors:<br>Ilene
      A. Angarola, 516-683-4420<br>or<br>Media:<br>Kelly Maude Leung,
      516-683-4032
    </p>
    <p>

    </p>
    <p style="text-align: center">
      15
    </p>
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</DOCUMENT>
</SEC-DOCUMENT>
