<SEC-DOCUMENT>0001157523-17-002770.txt : 20171025
<SEC-HEADER>0001157523-17-002770.hdr.sgml : 20171025
<ACCEPTANCE-DATETIME>20171025083811
ACCESSION NUMBER:		0001157523-17-002770
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171025
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20171025
DATE AS OF CHANGE:		20171025

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:		171152128

	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>a51703860.htm
<DESCRIPTION>NEW YORK COMMUNITY BANCORP, INC. 8-K
<TEXT>
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    <p style="text-align: center">
      <br>
      <br>
      <font style="font-size: 11pt; font-family: Times New Roman"><b>UNITED
      STATES</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt; font-family: Times New Roman"><b>SECURITIES
      AND EXCHANGE COMMISSION</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt; font-family: Times New Roman">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-size: 11pt; font-family: Times New Roman"><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-size: 11pt; font-family: Times New Roman"><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-size: 11pt; font-family: Times New Roman">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><br><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt; font-family: Times New Roman">Date
      of Report </font><font style="font-size: 11pt">(Date of earliest event
      reported)</font><font style="font-size: 11pt; font-family: Times New Roman">:
      </font><u><font style="font-size: 11pt; font-family: Times New Roman">October
      25, 2017</font></u><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-size: 11pt; font-family: Times New Roman">(Exact
      name of registrant as specified in its charter)</font><br><br><br>
    </p>
    <div style="text-align:center">
    <table style="font-size: 10pt; width: 100%; margin-bottom: 10.0px; margin-left:auto;margin-right:auto; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="border-bottom-style: solid; width: 28%; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Delaware
          </p>
        </td>
        <td style="width: 10%">
          &#160;
        </td>
        <td style="border-bottom-style: solid; width: 24%; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            1-31565
          </p>
        </td>
        <td style="width: 10%">
          &#160;
        </td>
        <td style="border-bottom-style: solid; width: 28%; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" 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><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>
      Indicate by check mark whether the registrant is an emerging growth
      company as defined in Rule 405 of the Securities Act of 1933 (17 CFR
      &#167;230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR
      &#167;240.12b-2).
    </p>
    <p>
      Emerging growth company <font style="font-family: Arial Unicode MS; font-size: 12pt">&#8414;</font>
    </p>
    <p>
      If an emerging growth company, indicate by check mark if the registrant
      has elected not to use the extended transition period for complying with
      any new or revised financial accounting standards provided pursuant to
      Section 13(a) of the Exchange Act. <font style="font-family: Arial Unicode MS; font-size: 12pt">&#8414;</font>
    </p>
    <p>

    </p>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

        </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>

    </p>
<div style="text-align:left">
    <table style="font-size: 10pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="top">
          ITEM 2.02:
        </td>
        <td style="width: 89%; 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: 8%; padding-left: 0.0px; text-align: left" valign="top">

        </td>
        <td style="width: 3%">

        </td>
        <td style="width: 89%; padding-left: 0.0px; text-align: left" valign="top">
          On October 25, 2017, New York Community Bancorp, Inc. (the
          &quot;Company&quot;) issued a news release reporting its financial results for
          the three and nine months ended September 30, 2017. A copy of the
          news release is attached as Exhibit 99.1 to this report.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="3" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="top">
          ITEM 8.01:
        </td>
        <td style="width: 89%; 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: 8%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 3%">

        </td>
        <td style="width: 89%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            On October 25, 2017, the Company announced that its Board of
            Directors declared a $0.17 per diluted common share dividend,
            payable on November 21, 2017 to shareholders of record as of
            November 7, 2017.
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="3" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="top">
          ITEM 9.01:
        </td>
        <td style="width: 89%; 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: 8%; padding-left: 0.0px; text-align: right" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (d)
          </p>
        </td>
        <td style="width: 3%">

        </td>
        <td style="width: 89%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Attached as Exhibit 99.1 is the news release issued by the Company
            on October 25, 2017 to report its financial results for the three
            and nine months ended September 30, 2017.
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="margin-left: 90.0px; text-align: justify; white-space: nowrap">

    </p>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

        </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>
    </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">
      <br>

    </p>
    <div style="text-align:center">
    <table style="font-size: 10pt; width: 100%; margin-bottom: 10.0px; margin-left:auto;margin-right:auto; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="width: 5%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Date:
          </p>
        </td>
        <td style="width: 45%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>October 25, 2017</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%">

        </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%">

        </td>
        <td style="width: 50%">
          &#160;
        </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/ Salvatore J. DiMartino</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">
            Salvatore J. DiMartino
          </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">
            First Senior Vice President and Director,
          </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">
            Investor Relations and Strategic Planning
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p>

    </p>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

    </p>
    <div style="text-align:center">
    <table style="font-size: 10pt; width: 100%; margin-bottom: 10.0px; 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">
            <a href="a51703860_ex991.htm">Exhibit 99.1</a>
          </p>
        </td>
        <td style="width: 80%; padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <a href="a51703860_ex991.htm">News release issued by the Company
            on October 25, 2017.</a>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: center">

    </p>
  </body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>a51703860_ex991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html>
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    <p style="text-align: right">
      <b>Exhibit 99.1</b>
    </p>
    <p style="text-align: center">
      <u><font style="font-size: 10pt; font-family: Times New Roman"><b>New
      York Community Bancorp, Inc. Reports Third Quarter 2017 Diluted Earnings
      Per Common Share of $0.21</b></font></u>
    </p>
    <p style="text-align: center">
      <u><font style="font-size: 10pt; font-family: Times New Roman"><b>Closes
      Sale of Mortgage Banking Business and Residential Assets Covered under
      FDIC Loss Share Agreements</b></font></u>
    </p>
    <p style="text-align: center">
      <u><font style="font-size: 10pt; font-family: Times New Roman"><b>Board
      of Directors Declares a $0.17 per Common Share Dividend</b></font></u>
    </p>
    <p style="text-align: center">
      <u><font style="font-size: 10pt; font-family: Times New Roman"><b>Third
      Quarter 2017 Highlights</b></font></u>
    </p>
    <ul>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 10pt; font-family: Times New Roman"><b>Earnings</b></font></u><b><font style="font-size: 10pt; font-family: Times New Roman">:</font></b>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Net
            income totaled $110.5 million compared to $115.3 million in the
            second quarter.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Net
            income available to common shareholders totaled $102.3 million
            compared to $107.0 million in the second quarter.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">The
            return on average assets was 0.91% and the return on average
            common stockholders&#8217; equity was 6.53%. </font><sup><font style="font-size: 10pt; font-family: Times New Roman">(1)</font></sup>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">The
            return on average tangible assets was 0.96% and the return on
            average tangible common stockholders&#8217; equity was 10.69%. </font><sup><font style="font-size: 10pt; font-family: Times New Roman">(1)
            (2)</font></sup>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">The
            sale of our covered loans and mortgage banking business, including
            a $21 billion mortgage servicing rights portfolio resulted in a
            gain of $82.0 million on a pre-tax basis.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">The
            provision for losses on non-covered loans was $44.6 million due to
            charge-offs in the taxi medallion-related portfolio.</font>
          </li>
        </ul>
      </li>
    </ul>
    <ul>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 10pt; font-family: Times New Roman"><b>Net
        Interest Margin</b></font></u><b><font style="font-size: 10pt; font-family: Times New Roman">:</font></b>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">The
            net interest margin declined 12 basis points to 2.53%.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Prepayment
            income added 16 basis points to the net interest margin.</font>
          </li>
        </ul>
      </li>
    </ul>
    <ul>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 10pt; font-family: Times New Roman"><b>Balance
        Sheet</b></font></u><b><font style="font-size: 10pt; font-family: Times New Roman">:</font></b>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">As a
            result of the sale of the mortgage banking business and covered
            loans, our cash position increased to $3.3 billion, which will be
            reinvested into higher-yielding assets.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Loan
            originations totaled $2.8 billion, including $2.3 billion of loans
            held for investment, up 24% sequentially.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Total
            non-covered loans totaled $37.5 billion, up $255.2 million, or 1%
            from the trailing quarter-end.</font>
          </li>
        </ul>
      </li>
    </ul>
    <ul>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 10pt; font-family: Times New Roman"><b>Asset
        Quality</b></font></u><b><font style="font-size: 10pt; font-family: Times New Roman">:</font></b>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Non-performing
            non-covered assets represented $84.7 million, or 0.17%, of total
            non-covered assets.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Non-performing
            non-covered loans represented $69.0 million, or 0.18%, of total
            non-covered loans.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Net
            charge-offs totaled $40.4 million, or 0.11%, of average loans.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">The
            allowance for loan losses represented 230.42% of non-performing
            non-covered loans.</font>
          </li>
        </ul>
      </li>
    </ul>
    <ul>
      <li style="margin-bottom: 10.0px">
        <u><font style="font-size: 10pt; font-family: Times New Roman"><b>Capital
        Position</b></font></u><b><font style="font-size: 10pt; font-family: Times New Roman">:</font></b>

        <ul>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Tier 1
            Risk-Based Capital Ratio was 13.04% at September 30, 2017 compared
            to 12.64% at June 30, 2017.</font>
          </li>
          <li style="margin-bottom: 10.0px">
            <font style="font-size: 10pt; font-family: Times New Roman">Common
            Equity Tier 1 Risk-Based Capital Ratio was 11.53% at September 30,
            2017 compared to 11.16% at June 30, 2017.</font>
          </li>
        </ul>
      </li>
    </ul>
    <p>
      <font style="font-size: 10pt; font-family: Times New Roman">(1) Return
      on average assets and on average tangible assets is calculated using net
      income. Return on average common stockholders&#8217; equity and on average
      tangible common stockholders&#8217; equity is calculated using net income
      available to common shareholders.</font><font style="font-size: 10pt; font-family: Times New Roman"><br style="font-family: Times New Roman; font-size: 10pt"></font><font style="font-size: 10pt; font-family: Times New Roman">(2)
      &#8220;Tangible assets&#8221; and &#8220;tangible common stockholders&#8217; equity&#8221; are
      non-GAAP financial measures. See the discussion and reconciliations of
      these non-GAAP measures with the comparable GAAP measures on page 8 of
      this release.</font>
    </p>
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    <p>
      WESTBURY, N.Y.--(BUSINESS WIRE)--October 25, 2017--New York Community
      Bancorp, Inc. (NYSE:NYCB) (the &#8220;Company&#8221;) today reported net income of
      $110.5 million for the three months ended September 30, 2017, down 4%
      from the $115.3 million reported for the three months ended June 30,
      2017. Net income available to common shareholders also declined 4% from
      the prior three-month period to $102.3 million, or $0.21 per diluted
      common share.
    </p>
    <p>
      Commenting on the Company&#8217;s performance, President and Chief Executive
      Officer Joseph R. Ficalora stated, &#8220;The Company&#8217;s performance during the
      third quarter was impacted by several factors. Foremost amongst these
      was the sale of our mortgage banking business, including our mortgage
      servicing rights portfolio, which had an aggregate unpaid principal
      balance of $21 billion, to Freedom Mortgage Corporation. This
      transaction closed on September 29, 2017, and we expect to see the
      benefits, including lower expenses, beginning in the fourth quarter.
    </p>
    <p>
      &#8220;On July 28, 2017, we closed on the sale of our one-to-four family
      residential assets covered under our Loss Share Agreements with the FDIC
      to an affiliate of Cerberus Capital Management, L.P. In connection with
      this transaction, we received cash proceeds of $1.9 billion, generating
      excess liquidity which will be redeployed into higher-yielding assets
      going forward.
    </p>
    <p>
      &#8220;Combined, these two transactions generated a pre-tax gain of $82.0
      million and were accretive to capital. As we stated at the time of
      announcement, these transactions are consistent with our overall
      strategic objectives and allow us to focus on our core business model,
      including growth through acquisitions.
    </p>
    <p>
      &#8220;In the third quarter, we recorded a provision expense for losses on
      non-covered loans of $44.6 million related to taxi medallion loans. Our
      taxi medallion-related portfolio now stands at $99.1 million or a very
      manageable 0.3% of total loans. Aside from the taxi medallion portfolio,
      the asset quality metrics in our core multi-family and commercial real
      estate portfolios remain strong. In fact, excluding the
      medallion-related charge-offs, the Company would have reported net
      recoveries this quarter.
    </p>
    <p>
      &#8220;Also, a positive trend emerged this quarter. Our held-for-investment
      loan originations rose 24% from the previous quarter, reflecting
      improved market conditions and increased demand. While some of this
      increase was offset by prepayments, we did enjoy modest loan growth
      during the quarter, after nearly three years of not growing the balance
      sheet. Given our strong pipeline, we expect this positive trend to
      continue in the quarters ahead.&#8221;
    </p>
    <p>
      <u><b>Board of Directors Declares $0.17 per Common Share Dividend
      Payable on November 21, 2017</b></u>
    </p>
    <p>
      Reflecting our earnings and our capital position, the Board of Directors
      last night declared a quarterly cash dividend on the Company&#8217;s common
      stock of $0.17 per share. The dividend is payable on November 21, 2017
      to common shareholders of record as of November 7, 2017, and represents
      a dividend yield of 5.3% based on yesterday&#8217;s closing price.
    </p>
    <p>
      <u><b>BALANCE SHEET SUMMARY</b></u>
    </p>
    <p>
      Total assets at the end of the third quarter were $48.5 billion, up
      incrementally from the end of the second quarter but down modestly from
      December 31, 2016. Total deposits of $28.9 billion were relatively
      unchanged compared to the prior-quarter and year-end 2016 balances.
    </p>
    <p>
      For the four quarters ended September 30, 2017, the Company&#8217;s total
      consolidated assets averaged $48.6 billion, below the current SIFI
      threshold of $50.0 billion.
    </p>
    <p>
      <u><b>Loans</b></u>
    </p>
    <p>
      <i><b>Covered Loans</b></i>
    </p>
    <p>
      Reflecting the previously announced termination of our Loss Share
      Agreements (LSA) with the FDIC and subsequent sale of our one-to-four
      family residential mortgage-related assets covered under the LSA,
      covered loans were zero at September 30, 2017. On July 28, 2017 the
      Company completed the sale of its covered loans to an affiliate of
      Cerberus Capital Management, L.P. In connection with the closing, the
      Company received proceeds of $1.9 billion, which were invested in cash
      and cash equivalents as of September 30, 2017.
    </p>
    <p>
      <i><b>Non-Covered Loans Held for Investment</b></i>
    </p>
    <p>
      Total non-covered loans held for investment were $37.5 billion, up 0.7%
      and 0.3%, respectively, from June 30, 2017 and December 31, 2016. On a
      sequential basis, total non-covered mortgage loans held for investment
      increased $309.3 million, or 1% (3.5% annualized) to $35.5 billion,
      including multi-family loan growth of 1.1% (4.3% annualized). This was
      partially offset by a 2.4% (9.5% annualized) sequential decline in
      commercial and industrial (&#8220;C&amp;I&#8221;) loans, largely the result of
      prepayments.
    </p>
    <p>
      Total loans originated for investment increased 24% on a sequential
      basis, to $2.3 billion, including 50% growth in multi-family
      originations and 30% growth in commercial real estate (&#8220;CRE&#8221;) loan
      originations. The growth in loan originations during the current third
      quarter reflects improved market conditions and increased demand. The
      Company continues to originate multi-family and CRE loans which adhere
      to its conservative underwriting standards.
    </p>
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    <p>
      <i><b>Non-Covered Loans Originated for Sale</b></i>
    </p>
    <p>
      Total loans originated for sale were $501.8 million, down 11% on a
      sequential basis. The decline was attributable to the Company&#8217;s decision
      to exit the wholesale residential mortgage business, as well as a higher
      level of mortgage interest rates. The sale of the mortgage banking
      business was announced on June 27, 2017 and closed on September 29, 2017.
    </p>
    <p>
      <i><b>Pipeline</b></i>
    </p>
    <p>
      The Company has approximately $2.1 billion of loans in its current
      pipeline, including $1.5 billion of multi-family loans.
    </p>
    <p>
      <u><b>Funding Sources</b></u>
    </p>
    <p>
      <i><b>Deposits</b></i>
    </p>
    <p>
      Total deposits of $28.9 billion were unchanged compared to both the
      trailing quarter-end and from the prior year-end. However, the mix of
      deposits shifted during the third quarter as interest-bearing checking
      and money market accounts and savings accounts declined 4% and 3%,
      respectively, while certificates of deposit and non-interest-bearing
      accounts rose 7% and 2%, respectively.
    </p>
    <p>
      <i><b>Borrowed Funds</b></i>
    </p>
    <p>
      The Company&#8217;s borrowed funds totaled $12.4 billion at the end of the
      current third quarter, unchanged from the end of the second quarter.
      Borrowed funds declined 10% from year-end 2016, due entirely to a 10%
      decrease in wholesale borrowings to $12.0 billion.
    </p>
    <p>
      <u><b>Stockholders&#8217; Equity</b></u>
    </p>
    <p>
      Total stockholders&#8217; equity rose 10%, to $6.8 billion, at the current
      third-quarter end from the year-end 2016 balance and was relatively
      unchanged from the June 30, 2017 balance. The year-to-date increase is
      due mainly to the $502.8 million preferred stock offering completed in
      March of this year.
    </p>
    <p>
      Common stockholders&#8217; equity represented 12.91% of total assets at
      September 30, 2017 compared to 12.89% at June 30, 2017. Book value per
      common share was $12.79 at September 30, 2017 compared to $12.74 at June
      30, 2017.
    </p>
    <p>
      Excluding goodwill of $2.4 billion, tangible common stockholders&#8217; equity
      rose 0.7% to $3.8 billion, representing 8.30% of tangible assets,
      compared to 8.27% at June 30, 2017. Tangible book value per common share
      was $7.81 at the end of the current third quarter compared to $7.76 at
      June 30, 2017. <sup>(2)</sup>
    </p>
    <p>
      In addition, all regulatory capital ratios for the Company and its two
      subsidiary banks continued to exceed the regulatory requirements for
      &#8220;Well Capitalized&#8221; classification.
    </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 repossessed assets.</i>
    </p>
    <p>
      Non-performing non-covered assets declined 7% to $84.7 million, or
      0.17%, of total non-covered assets at the end of the current third
      quarter as compared to $91.6 million, or 0.20%, of total non-covered
      assets at June 30, 2017. Non-performing non-covered loans decreased 16%
      to $69.0 million, or 0.18%, of total non-covered loans at the end of the
      current third quarter as compared to $82.0 million, or 0.22%, of total
      non-covered loans at June 30, 2017.
    </p>
    <p>
      During the quarter, non-accrual non-covered mortgage loans declined 22%
      to $24.3 million, while other non-accrual non-covered loans, which
      primarily consisted of taxi medallion loans, decreased 12% to $44.7
      million. These improvements were partially offset by a 64% increase, to
      $15.8 million, in non-covered repossessed assets.
    </p>
    <p>
      Net charge-offs for the current third quarter rose to $40.4 million, or
      0.11%, of average loans compared to $11.4 million, or 0.03%, of average
      loans in the second quarter of 2017. The increase was due to charge-offs
      on the taxi medallion-related loan portfolio. Taxi medallion loans
      accounted for $40.6 million of this quarter&#8217;s charge-offs compared to
      $11.3 million in the trailing quarter. Excluding these charge-offs, the
      Company would have recorded net recoveries during the quarter. At
      September 30, 2017, the Company&#8217;s total taxi medallion-related exposure
      was $105.6 million.
    </p>
    <p>
      <u><b>EARNINGS SUMMARY FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2017</b></u>
    </p>
    <p>
      The Company reported net income of $110.5 million for the three months
      ended September 30, 2017, down 4% from the $115.3 million reported for
      the three months ended June 30, 2017. Net income available to common
      shareholders also declined 4% from the prior three-month period to
      $102.3 million, or $0.21 per diluted common share.
    </p>
    <p>
      <u><b>Net Interest Income</b></u>
    </p>
    <p>
      Net interest income for the third quarter of 2017 declined 4%
      sequentially and 13% year-over-year to $276.3 million, due to higher
      interest expenses, resulting from an increase in our cost of funds and
      lower interest income. The lower level of interest income during the
      quarter was due to the sale of our covered loan portfolio, which closed
      at the end of July and resulted in excess liquidity which was invested
      at lower yields. This was partially offset by modest loan growth along
      with stable loan yields.
    </p>
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    <p>
      <u><b>Net Interest Margin</b></u>
    </p>
    <p>
      The Company&#8217;s net interest margin declined 12 basis points sequentially
      and 38 basis points from the year-ago quarter to 2.53% in the current
      third quarter. Excluding the 16-basis point contribution from prepayment
      income in the current quarter, the net interest margin would have
      declined 14 basis points to 2.37% from the prior quarter. (See table on
      page 14).
    </p>
    <p>
      <u><b>Provision for Loan Losses</b></u>
    </p>
    <p>
      The Company reported a $44.6 million provision for losses on non-covered
      loans in the current third quarter compared to $11.6 million and $1.2
      million, respectively, for the three months ended June 30, 2017 and
      September 30, 2016. The elevated provision during the quarter was
      related to the aforementioned increase in charge-offs in our taxi
      medallion loan portfolio.
    </p>
    <p>
      <u><b>Non-Interest Income</b></u>
    </p>
    <p>
      Non-interest income totaled $108.9 million, up 116% from the trailing
      quarter level and 168% from the year-earlier amount. The linked quarter
      and year-over-year improvements were driven by the $82.0 million gain on
      sale of our covered loan portfolio and mortgage banking operations, both
      of which closed during the third quarter.
    </p>
    <p>
      <u><b>Non-Interest Expense</b></u>
    </p>
    <p>
      Non-interest expense totaled $162.2 million in the current third
      quarter, down 1% from the trailing-quarter level and up modestly from
      the year-earlier quarter. Merger-related expenses were $2.2 million in
      the year-earlier period; there were no comparable expenses in the third
      quarter of 2017. Our efficiency ratio improved to 42.1% in the current
      third quarter compared to 48.4% in the trailing quarter. This was mainly
      due to the gain on the sale of our covered loans and mortgage banking
      operations and, to a lesser extent, lower operating expenses.
    </p>
    <p>
      <u><b>About New York Community Bancorp, Inc.</b></u>
    </p>
    <p>
      One of the largest U.S. bank holding companies, with assets of $48.5
      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 255 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>
      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>
      <u><b>Post-Earnings Release Conference Call</b></u>
    </p>
    <p>
      As previously announced, the Company will host a conference call on
      Wednesday, October 25, 2017, at 8:30 a.m. (Eastern Time) to discuss its
      third quarter 2017 performance. The conference call may be accessed by
      dialing (877) 407-8293 (for domestic calls) or (201) 689-8349 (for
      international calls) and asking for &#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 October 29, 2017 and may be
      accessed by calling (877) 660-6853 (domestic) or (201) 612-7415
      (international) and providing the following conference ID: 13671104. In
      addition, the conference call will be webcast at ir.myNYCB.com, and
      archived through 5:00 p.m. on November 22, 2017.
    </p>
    <p>
      <u><b>Cautionary Statements Regarding Forward-Looking Information</b></u>
    </p>
    <p>
      This earnings release and the associated conference call may include
      forward&#8208;looking statements by the Company and our authorized officers
      pertaining to such matters as our goals, intentions, and expectations
      regarding revenues, earnings, loan production, asset quality, capital
      levels, and acquisitions, among other matters; our estimates of future
      costs and benefits of the actions we may take; our assessments of
      probable losses on loans; our assessments of interest rate and other
      market risks; and our ability to achieve our financial and other
      strategic goals.
    </p>
    <p>
      Forward&#8208;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&#8208;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&#8208;looking statements. Furthermore,
      because forward&#8208;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>
      Our forward&#8208;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&#8208;financial institutions; our ability to obtain
      the necessary shareholder and regulatory approvals of any acquisitions
      we may propose; our ability to successfully integrate any assets,
      liabilities, customers, systems, and management personnel we may acquire
      into our operations, and our ability to realize related revenue
      synergies and cost savings within expected time frames; changes in
      legislation, regulations, and policies; and a variety of other matters
      which, by their nature, are subject to significant uncertainties and/or
      are beyond our control.
    </p>
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    <p>
      More information regarding some of these factors is provided in the Risk
      Factors section of our Form 10&#8208;K for the year ended December 31, 2016
      and in other SEC reports we file. Our forward&#8208;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 &#8208;
    </p>
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      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="10" valign="top">
          <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 colspan="10">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2016</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; text-align: center" colspan="3" valign="bottom">
          (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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,277,427
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          557,850
        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Available-for-sale
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,031,026
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          104,281
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Held-to-maturity
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          3,712,776
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,031,026
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,817,057
        </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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          104,938
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          409,152
        </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="3">

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="bottom">
          Multi-family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          27,162,401
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,961,486
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="bottom">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,552,777
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,727,258
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          One-to-four family
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          413,235
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          381,081
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          385,543
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          380,522
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          35,513,956
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          35,450,347
        </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="3">

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="bottom">
          Commercial and industrial
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,988,577
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,908,308
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Other loans
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          3,666
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          24,067
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total non-covered other loans held for investment
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,992,243
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,932,375
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,506,199
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,382,722
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (158,918
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (158,290
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" 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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,347,281
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,224,432
        </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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,698,133
        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (23,701
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Covered loans, net
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,674,432
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,452,219
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          39,308,016
        </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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          579,474
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          590,934
        </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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          375,482
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          373,675
        </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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          243,686
        </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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,436,131
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Other assets (includes $16,990 of other real estate owned covered by
          loss sharing agreements at December 31, 2016)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,306,132
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,598,998
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          <b>Total assets</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,457,891
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,926,555
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

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

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Interest-bearing checking and money market accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,338,949
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13,395,080
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Savings accounts
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,996,578
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          5,280,374
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,802,573
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,577,170
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Non-interest-bearing accounts
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,755,097
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,635,279
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total deposits
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          28,893,197
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          28,887,903
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Borrowed funds:
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Wholesale borrowings
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,004,500
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13,314,500
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Junior subordinated debentures
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          359,102
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          358,879
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,363,602
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13,673,379
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          441,438
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          241,282
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          41,698,237
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          42,802,564
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Stockholders&#8217; equity:
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Preferred stock at par $0.01 (5,000,000 shares authorized):
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 40.0px; text-align: left" valign="bottom">
          Series A (515,000 shares issued and outstanding)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          502,840
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Common stock at par $0.01 (900,000,000 shares authorized;
            489,072,101 and 487,067,889
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 40.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            shares issued; and 489,061,848 and 487,056,676 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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,891
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,871
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Paid-in capital in excess of par
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,063,813
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,047,558
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Retained earnings
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          192,607
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          128,435
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Treasury stock, at cost (10,253 and 11,213 shares, respectively)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (130
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (160
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Accumulated other comprehensive loss, net of tax:
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 40.0px; text-align: left" valign="bottom">
          Net unrealized gain (loss) on securities available for sale, net of
          tax
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          47,917
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (753
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 40.0px; 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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (5,221
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (5,241
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 40.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Pension and post-retirement obligations, net of tax
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (47,063
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (50,719
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total accumulated other comprehensive loss, net of tax
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (4,367
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (56,713
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,759,654
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,123,991
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          <b>Total liabilities and stockholders&#8217; equity</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,457,891
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,926,555
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="21">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="21" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>NEW YORK COMMUNITY BANCORP, INC.</b><br><b>CONSOLIDATED
            STATEMENTS OF INCOME</b><br>(unaudited)
          </p>
        </td>
      </tr>
      <tr>
        <td colspan="21">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="11" valign="bottom">
          <b>For the Three Months Ended</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="7" valign="bottom">
          <b>For the Nine Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="bottom">
          <b>Sept. 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="bottom">
          <b>Sept. 30,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          (in thousands, except per share data)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          350,990
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          361,330
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          367,932
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,070,722
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,099,137
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          42,685
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          37,745
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,164
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          121,147
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          160,384
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total interest income
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          393,675
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          399,075
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          416,096
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,191,869
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,259,521
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Interest Expense:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          27,620
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,084
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          15,866
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          71,413
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          45,771
        </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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,109
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,150
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,439
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          21,069
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          25,001
        </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; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          27,649
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,006
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          20,501
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          73,786
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          55,129
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          54,954
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          56,066
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          53,867
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          166,572
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          161,758
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total interest expense
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          117,332
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          111,306
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          97,673
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          332,840
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          287,659
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Net interest income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          276,343
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          287,769
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          318,423
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          859,029
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          971,862
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          44,585
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11,645
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,234
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          58,017
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,699
        </td>
        <td>

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

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (17,906
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (1,289
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (23,701
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (6,035
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Net interest income after provision for (recovery
          </p>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            of) loan losses
          </p>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          231,758
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          294,030
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          318,478
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          824,713
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          971,198
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Non-Interest Income:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,486
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,196
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          19,446
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,020
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,972
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,151
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,640
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          23,983
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,480
        </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 style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,314
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,519
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,029
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          21,170
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          23,208
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (76
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,397
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,465
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,055
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          15,118
        </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 style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,936
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          237
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          28,915
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (14,325
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (1,031
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (18,961
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (4,828
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Gain on sale of covered loans and mortgage
          </p>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            banking operations
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          82,026
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          82,026
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          9,206
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          13,563
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          9,330
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          33,903
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          30,787
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total non-interest income
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          108,928
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          50,437
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          40,595
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          191,537
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          113,198
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>Non-Interest Expense:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          91,594
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          92,860
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          86,079
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          280,008
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          261,230
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          25,133
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          23,403
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,347
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          73,595
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          73,837
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          45,483
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          47,472
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,506
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          139,131
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          139,309
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Total operating expenses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          162,210
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          163,735
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          158,932
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          492,734
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          474,376
        </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 style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          30
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          542
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,994
        </td>
        <td>

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

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

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,211
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          4,674
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Total non-interest expense
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          162,234
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          163,765
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          161,685
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          492,942
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          481,044
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#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 style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          178,452
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          180,702
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          197,388
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          523,308
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          603,352
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          67,984
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          65,447
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          72,089
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          193,628
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          221,684
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          <b>Net Income</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          110,468
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          115,255
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          125,299
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          329,680
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          381,668
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,207
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,207
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          16,414
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          --
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          <b>Net income available to common shareholders</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          102,261
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          107,048
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          125,299
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          313,266
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          381,668
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          <b>Basic earnings per common share</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.21
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.22
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.26
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.64
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.78
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          <b>Diluted earnings per common share</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.21
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.22
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.26
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.64
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.78
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; margin-left: 0; width: 100%; margin-bottom: 10.0px; margin-right: 0; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>NEW YORK COMMUNITY BANCORP, INC.</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>RECONCILIATIONS OF CERTAIN GAAP AND NON-GAAP FINANCIAL MEASURES</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          (unaudited)
        </td>
      </tr>
      <tr>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <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 (&#8220;GAAP&#8221;), tangible stockholders&#8217; equity,
      tangible assets, and tangible book value per share 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>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          1.
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          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.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          2.
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          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.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          3.
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          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.
        </td>
      </tr>
    </table>
    </div>
    <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 common stockholders&#8217;
      equity and tangible common 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 September 30, 2017,
      June 30, 2017, and September 30, 2016 and the nine months ended
      September 30, 2017 and 2016:
    </p>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="2">

        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="8" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>At or for the </b><br><b>Three Months Ended</b>
          </p>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="5" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>At or for the </b><br><b>Nine Months Ended</b>
          </p>
        </td>
      </tr>
      <tr>
        <td colspan="2">

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Sept. 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Sept. 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Sept. 30,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" colspan="2" valign="bottom">
          (dollars in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2016</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Total Stockholders&#8217; Equity</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,759,654
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,734,778
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,090,512
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,759,654
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,090,512
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Less:
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Goodwill
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Core deposit intangibles (&#8220;CDI&#8221;)
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (24)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (605)
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (605)
        </td>
      </tr>
      <tr>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (502,840)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (502,840)
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (502,840)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          --
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Tangible common stockholders&#8217; equity</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,820,683
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,795,783
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,653,776
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,820,683
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,653,776
        </td>
      </tr>
      <tr>
        <td colspan="2">

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="2">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Total Assets</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          48,457,891
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          48,347,658
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          49,462,620
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          48,457,891
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          49,462,620
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Less:
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Goodwill
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (24)
        </td>
        <td>

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

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (605)
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Tangible assets</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          46,021,760
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          45,911,503
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          47,025,884
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          46,021,760
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          47,025,884
        </td>
      </tr>
      <tr>
        <td colspan="2">

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="2">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Average Common Stockholders&#8217; Equity</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,262,792
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,147,238
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,081,003
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,187,514
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,028,044
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" colspan="2" valign="bottom">
          Less: Average goodwill and CDI
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,436,146)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,436,175)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,437,092)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,436,202)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,437,726)
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Average tangible common stockholders&#8217; equity</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,826,646
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,711,063
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,643,911
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,751,312
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,590,318
        </td>
      </tr>
      <tr>
        <td colspan="2">

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="2">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Average Assets</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          48,526,259
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          49,069,164
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          49,159,171
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          48,776,475
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          49,269,748
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" colspan="2" valign="bottom">
          Less: Average goodwill and CDI
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,436,146)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,436,175)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,437,092)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,436,202)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,437,726)
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Average tangible assets</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          46,090,113
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          46,632,989
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          46,722,079
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          46,340,273
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          46,832,022
        </td>
      </tr>
      <tr>
        <td colspan="2">

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="2">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Net Income Available to Common Shareholders</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          102,261
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          107,048
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          125,299
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          313,266
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          381,668
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" colspan="2" valign="bottom">
          Add back: Amortization of CDI, net of tax
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          14
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          18
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          325
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          125
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,196
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>Adjusted net income available to common shareholders</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          102,275
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          107,066
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          125,624
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          313,391
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          382,864
        </td>
      </tr>
      <tr>
        <td colspan="2">

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="2">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>GAAP MEASURES:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          Return on average assets <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.91%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.94%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.02%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.90%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.03%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          Return on average common stockholders&#8217; equity <sup>(2)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6.53
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6.97
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.24
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6.75
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.44
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          Common stockholders&#8217; equity to total assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.91
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.89
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.31
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.91
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.31
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          Book value per common share
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.79
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.74
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.50
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.79
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.50
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          <b>NON-GAAP MEASURES:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          Return on average tangible assets <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.96%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.99%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.08%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.95%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.09%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          Return on average tangible common stockholders&#8217; equity <sup>(2)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10.69
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.54
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.79
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.14
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          14.22
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          Tangible common stockholders&#8217; equity to tangible assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.30
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.27
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.77
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.30
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.77
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" colspan="2" valign="bottom">
          Tangible book value per common share
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.81
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.76
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.50
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.81
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.50
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          To calculate return on average assets for a period, we divide net
          income generated during that period by average assets recorded
          during that period. To calculate return on average tangible assets
          for a period, we adjust net income generated during that period by
          adding back the amortization of CDI, net of tax, and then divide
          that adjusted net income by average tangible assets recorded during
          that period.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (2)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          To calculate return on average common stockholders&#8217; equity for a
          period, we divide net income available to common shareholders
          generated during that period by average common stockholders&#8217; equity
          recorded during that period. To calculate return on average tangible
          common stockholders&#8217; equity for a period, we adjust net income
          available to common shareholders generated during that period by
          adding back the amortization of CDI, net of tax, and then divide
          that adjusted net income by average tangible common stockholders&#8217;
          equity recorded during that period.
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="28">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center; white-space: nowrap; padding-right: 0.0px" colspan="28" valign="top">
          <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; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="26" valign="bottom">
          <b>For the Three Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="8" valign="bottom">
          <b>September 30, 2017</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="8" valign="bottom">
          <b>June 30, 2017</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="8" valign="bottom">
          <b>September 30, 2016</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; text-align: center" colspan="2" valign="bottom">
          <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; text-align: center" colspan="2" valign="bottom">
          <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; text-align: center" colspan="2" valign="bottom">
          <b>Average</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Average</b>
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Yield/</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Average</b>
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Yield/</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Average</b>
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Yield/</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          (dollars in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Cost</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Cost</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <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: 10.0px; 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: 25.0px; text-align: left" valign="bottom">
          Mortgage and other loans, net
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,791,476
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          350,990
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.71
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          39,113,348
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          361,330
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.70
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          39,337,380
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          367,932
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.74
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Securities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,597,699
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          34,359
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.81
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,226,369
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,732
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.55
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,426,703
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          48,160
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4.34
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Interest-earning cash and cash equivalents
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,474,307
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,326
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.34
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,858
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          13
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.59
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,629
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.18
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Total interest-earning assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43,863,482
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          393,675
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.59
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43,348,575
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          399,075
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.68
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43,772,712
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          416,096
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.80
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Non-interest-earning assets
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          4,662,777
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          5,720,589
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          5,386,459
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          Total assets
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,526,259
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          49,069,164
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          49,159,171
        </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: 10.0px; 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: 25.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Interest-bearing checking and money market
          </p>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 35.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            accounts
          </p>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,672,720
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          27,620
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.86
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,971,440
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,084
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.74
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13,356,174
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          15,866
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.47
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Savings accounts
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          5,006,499
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,109
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.56
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          5,260,397
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,150
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.55
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          5,629,135
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,439
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.53
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,533,404
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          27,649
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.29
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          7,827,633
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          24,006
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.23
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          7,245,325
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          20,501
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.13
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Total interest-bearing deposits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,212,623
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          62,378
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.94
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,059,470
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          55,240
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.85
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,230,634
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43,806
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.66
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Borrowed funds
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          12,397,681
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          54,954
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.76
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          13,195,987
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          56,066
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.70
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          13,802,662
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          53,867
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.55
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Total interest-bearing liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          38,610,304
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          117,332
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.21
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          39,255,457
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          111,306
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.14
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          40,033,296
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          97,673
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.97
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Non-interest-bearing deposits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,766,701
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,960,164
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,832,569
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Other liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          383,622
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          203,237
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          212,303
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Total liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          41,760,627
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          42,418,858
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43,078,168
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,765,632
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,650,306
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,081,003
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          Total liabilities and stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,526,259
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          49,069,164
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          49,159,171
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          Net interest income/interest rate spread
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          276,343
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.38
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          287,769
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.54
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          318,423
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.83
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 4.0px" 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; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.53
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.65
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.91
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Ratio of interest-earning assets to interest-bearing
          </p>
        </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: 20.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            liabilities
          </p>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.14
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; border-bottom-color: black" valign="bottom">
          x
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.10
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; border-bottom-color: black" valign="bottom">
          x
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.09
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; border-bottom-color: black" 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="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="19">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center; white-space: nowrap; padding-right: 0.0px" colspan="19" valign="top">
          <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; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="17" valign="bottom">
          <b>For the Nine Months Ended September 30,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="8" valign="bottom">
          <b>2017</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="8" valign="bottom">
          <b>2016</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; text-align: center" colspan="2" valign="bottom">
          <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; text-align: center" colspan="2" valign="bottom">
          <b>Average</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Average</b>
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Yield/</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Average</b>
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>Yield/</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          (dollars in thousands)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Cost</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Balance</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <b>Interest</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="2" valign="bottom">
          <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: 10.0px; 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: 25.0px; text-align: left" valign="bottom">
          Mortgage and other loans, net
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          38,652,113
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,070,722
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.69
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          38,878,111
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,099,137
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.77
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Securities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,052,154
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          112,800
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.72
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          5,065,917
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          160,373
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4.22
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Interest-earning cash and cash equivalents
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          832,463
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,347
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.34
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,749
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          0.17
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Total interest-earning assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43,536,730
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,191,869
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.65
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43,952,777
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,259,521
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.82
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Non-interest-earning assets
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          5,239,745
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          5,316,971
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          Total assets
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,776,475
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          49,269,748
        </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: 10.0px; 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>

        </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>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Interest-bearing checking and money market
          </p>
        </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: 45.0px; text-align: left" valign="bottom">
          accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,950,570
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          71,413
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.74
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13,349,201
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          45,771
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.46
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="bottom">
          Savings accounts
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          5,171,645
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          21,069
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.54
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,112,342
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          25,001
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.55
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,019,142
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          73,786
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.23
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,700,188
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          55,129
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.10
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Total interest-bearing deposits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,141,357
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          166,268
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.85
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,161,731
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          125,901
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.64
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Borrowed funds
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          12,992,691
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          166,572
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.71
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          14,083,459
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          161,758
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.53
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Total interest-bearing liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          39,134,048
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          332,840
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.14
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          40,245,190
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          287,659
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.95
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Non-interest-bearing deposits
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,820,923
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,817,043
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Other liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          269,132
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          179,471
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="bottom">
          Total liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          42,224,103
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43,241,704
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          Stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,552,372
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,028,044
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          Total liabilities and stockholders&#8217; equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,776,475
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          49,269,748
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          Net interest income/interest rate spread
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          859,029
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.51
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          971,862
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.87
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left; padding-bottom: 4.0px" 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; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.63
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2.95
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Ratio of interest-earning assets to interest-
          </p>
        </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: 25.0px; text-align: left; padding-bottom: 4.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            bearing liabilities
          </p>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.11
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; border-bottom-color: black" valign="bottom">
          x
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1.09
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; border-bottom-color: black" 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="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="22">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="22" valign="top">
          <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 colspan="22">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="11" valign="bottom">
          <b>For the Three Months Ended</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="7" valign="bottom">
          <b>For the Nine Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="bottom">
          <b>Sept. 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="bottom">
          <b>Sept. 30,</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="bottom">
          (dollars in thousands except share and per share data)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>2017</b>
          </p>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          110,468
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          115,255
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          125,299
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          329,680
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          381,668
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Net income available to common shareholders
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          102,261
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          107,048
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          125,299
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          313,266
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          381,668
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Basic earnings per common share
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.21
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.22
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.26
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.64
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.78
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Diluted earnings per common share
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.21
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.22
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.26
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.64
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.78
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.91
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.94
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.02
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.90
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.03
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Return on average tangible assets <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.96
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.99
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.08
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.95
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.09
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Return on average common stockholders&#8217;
          </p>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            equity
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6.53
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6.97
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.24
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6.75
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.44
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Return on average tangible common stockholders&#8217; equity <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10.69
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.54
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.79
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.14
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          14.22
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Efficiency ratio <sup>(2)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          42.10
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          48.41
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          44.27
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          46.90
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          43.72
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.34
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.33
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.29
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.35
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1.28
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.38
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.54
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.83
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.51
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.87
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.53
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.65
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.91
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.63
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.95
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          38.10
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          36.22
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          36.52
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37.00
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          36.74
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Shares used for basic common EPS computation
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          487,274,303
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          487,282,404
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          485,352,998
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          487,025,614
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          485,087,197
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Shares used for diluted common EPS computation
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          487,274,303
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          487,282,404
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          485,352,998
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          487,025,614
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          485,087,197
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Common shares outstanding at the respective
          </p>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            period-ends
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          489,061,848
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          489,023,298
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          487,066,151
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          489,061,848
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          487,066,151
        </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>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          See the reconciliations of these non-GAAP measures with the
          comparable GAAP measures on page 8 of this release.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (2)
        </td>
        <td>

        </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>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

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

        </td>
        <td>
          &#160;
        </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>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>Sept. 30, </b><br><b>2017</b>
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>June 30, </b><br><b>2017</b>
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>Sept. 30, </b><br><b>2016</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>CAPITAL MEASURES:</b>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Book value per common share
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.79
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.74
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.50
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Tangible book value per common share <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.81
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.76
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.50
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Common stockholders&#8217; equity to total assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.91
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.89
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.31
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          Tangible common stockholders&#8217; equity to tangible assets <sup>(1)</sup>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.30
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.27
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.77
        </td>
        <td>

        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          See the reconciliations of these non-GAAP measures with the
          comparable GAAP measures on page 8 of this release.
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

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

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

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

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>Sept. 30, </b><br><b>2017</b>
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>June 30, </b><br><b>2017</b>
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>Sept. 30, </b><br><b>2016</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>REGULATORY CAPITAL RATIOS: <sup>(1)</sup></b>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="bottom">
          <b>New York Community Bancorp, Inc.</b>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Common equity tier 1 ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.53
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.16
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10.25
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.04
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12.64
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10.25
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          14.57
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          14.11
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.72
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Leverage capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          9.40
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          9.23
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7.95
        </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>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.60
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.11
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10.83
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.60
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.11
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10.83
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          14.02
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.52
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.31
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Leverage capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          9.80
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          9.53
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8.43
        </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>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          15.01
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          15.36
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.31
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          15.01
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          15.36
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13.31
        </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>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          16.26
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          16.47
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          14.19
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="bottom">
          Leverage capital ratio
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.07
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11.24
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10.26
        </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>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td>
          &#160;
        </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 tier 1 risk-based capital ratio of 8.00%; a total
          risk-based capital ratio of 10.00%; and a leverage capital ratio of
          5.00%.
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="11">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="11" valign="top">
          <b>NEW YORK COMMUNITY BANCORP, INC.</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="11" valign="top">
          <b>SUPPLEMENTAL FINANCIAL INFORMATION</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30, 2017</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="3" valign="top">
          <b>compared to</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          <b>Dec. 31,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="bottom">
          <b>June 30,</b>
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="bottom">
          <b>Dec. 31,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2016</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          (in thousands, except share data)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          (unaudited)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          (unaudited)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $3,277,427
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $1,129,846
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $557,850
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          488%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Securities:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Available-for-sale
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,031,026
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,171,117
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          104,281
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2807%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Held-to-maturity
        </td>
        <td>

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

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          3,712,776
        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,031,026
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,171,117
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,817,057
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -21%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Loans held for sale
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          104,938
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,803,724
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          409,152
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -74%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Non-covered mortgage loans held for investment:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Multi-family
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          27,162,401
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,875,621
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,961,486
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Commercial real estate
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,552,777
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,543,501
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,727,258
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -2%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          One-to-four family
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          413,235
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          412,945
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          381,081
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          385,543
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          372,571
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          380,522
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          3%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          1%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Total non-covered mortgage loans held for investment
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          35,513,956
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          35,204,638
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          35,450,347
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Other non-covered loans:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Commercial and industrial
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,988,577
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,036,867
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,908,308
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Other loans
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          3,666
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          9,534
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          24,067
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -62%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -85%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total non-covered other loans held for investment
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,992,243
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,046,401
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,932,375
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -3%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          3%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Total non-covered loans held for investment
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,506,199
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,251,039
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,382,722
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Less: Allowance for losses on non-covered loans
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (158,918)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (154,683)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (158,290)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          3%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Non-covered loans held for investment, net
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,347,281
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,096,356
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,224,432
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Covered loans
        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,698,133
        </td>
        <td>

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

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

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

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (23,701)
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Covered loans, net
        </td>
        <td>

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

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,674,432
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Total loans, net
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          37,452,219
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          38,900,080
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          39,308,016
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -5%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Federal Home Loan Bank stock, at cost
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          579,474
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          589,067
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          590,934
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -2%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Premises and equipment, net
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          375,482
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          380,322
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          373,675
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          FDIC loss share receivable
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          187,973
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          243,686
        </td>
        <td>

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

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

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

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Core deposit intangibles, net
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24
        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Other assets (includes $16,801 and $16,990 of other real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          owned covered by loss sharing agreements at June 30, 2017
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          and December 31, 2016, respectively)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,306,132
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,553,098
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,598,998
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -16%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -18%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          <b>Total assets</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $48,457,891
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $48,347,658
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $48,926,555
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -1%
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Interest-bearing checking and money market accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $12,338,949
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $12,813,876
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $13,395,080
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -8%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Savings accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,996,578
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          5,136,373
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          5,280,374
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -5%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,802,573
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,230,853
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,577,170
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          16%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Non-interest-bearing accounts
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,755,097
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,712,463
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,635,279
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          2%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          5%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total deposits
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          28,893,197
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          28,893,565
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          28,887,903
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Borrowed funds:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Wholesale borrowings
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,004,500
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,004,500
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13,314,500
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -10%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Junior subordinated debentures
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          359,102
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          359,026
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          358,879
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Total borrowed funds
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,363,602
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12,363,526
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          13,673,379
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -10%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Other liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          441,438
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          355,789
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          241,282
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          24%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          83%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total liabilities
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          41,698,237
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          41,612,880
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          42,802,564
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -3%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Stockholders' equity:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Preferred stock at par $0.01 (5,000,000 shares authorized):
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="top">
          Series A (515,000 shares issued and outstanding)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          502,840
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          502,840
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Common stock at par $0.01 (900,000,000 shares authorized;
          489,072,101,
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="top">
          489,060,712 and 487,067,889 shares issued; and 489,061,848,
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="top">
          489,023,298 and 487,056,676 shares outstanding, respectively)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,891
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,891
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,871
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Paid-in capital in excess of par
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,063,813
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,055,441
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,047,558
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Retained earnings
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          192,607
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          173,409
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          128,435
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          50%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Treasury stock, at cost (10,253, 37,414 and 11,213 shares,
          respectively)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (130)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (502)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (160)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -74%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -19%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Accumulated other comprehensive loss, net of tax:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          47,917
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          52,202
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (753)
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left" valign="top">
          Net unrealized loss on the non-credit portion of other-than-temporary
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 40.0px; text-align: left" valign="top">
          impairment losses, net of tax
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (5,221)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (5,221)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (5,241)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 30.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Pension and post-retirement obligations, net of tax
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (47,063)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (48,282)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (50,719)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -3%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -7%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total accumulated other comprehensive loss, net of tax
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (4,367)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (1,301)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (56,713)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          236%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -92%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total stockholders' equity
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,759,654
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,734,778
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,123,991
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          10%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          <b>Total liabilities and stockholders' equity</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $48,457,891
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $48,347,658
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $48,926,555
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -1%
        </td>
      </tr>
      <tr>
        <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="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="11">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="11" valign="top">
          <b>NEW YORK COMMUNITY BANCORP, INC.</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="11" valign="top">
          <b>SUPPLEMENTAL FINANCIAL INFORMATION (continued)</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="11" valign="top">
          (unaudited)
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30, 2017</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="5" valign="top">
          <b>For the Three Months Ended</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="3" valign="top">
          <b>compared to</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2016</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          (in thousands, except per share data)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Interest Income:</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $350,990
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $361,330
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $367,932
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -5%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Securities and money market investments
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          42,685
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          37,745
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,164
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          13%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -11%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total interest income
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          393,675
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          399,075
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          416,096
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -1%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -5%
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Interest-bearing checking and money market accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          27,620
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,084
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          15,866
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          74%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Savings accounts
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,109
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,150
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,439
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -4%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Certificates of deposit
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          27,649
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,006
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          20,501
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          35%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Borrowed funds
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          54,954
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          56,066
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          53,867
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -2%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          2%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total interest expense
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          117,332
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          111,306
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          97,673
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          5%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          20%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          <b>Net interest income</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          276,343
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          287,769
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          318,423
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -13%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Provision for losses on non-covered loans
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          44,585
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          11,645
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,234
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          283%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Recovery of losses on covered loans
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (17,906)
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (1,289)
        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          <b>Net interest income after provision for (recovery of)</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          <b>loan losses</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          231,758
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          294,030
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          318,478
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -21%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -27%
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,486
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,196
        </td>
        <td>

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

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,972
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,151
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,640
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -8%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Bank-owned life insurance
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          8,314
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6,519
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          7,029
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          28%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          18%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Net (loss) gain on sales of loans
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (76)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,397
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,465
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Net gain on sales of securities
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          26,936
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          237
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          FDIC indemnification expense
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (14,325)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (1,031)
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Gain on sale of covered loans and mortgage banking
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          operations
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          82,026
        </td>
        <td>

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

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

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

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          9,206
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          13,563
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          9,330
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -32%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -1%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total non-interest income
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          108,928
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          50,437
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          40,595
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          116%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          168%
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="top">
          Compensation and benefits
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          91,594
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          92,860
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          86,079
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          6%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="top">
          Occupancy and equipment
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          25,133
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          23,403
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,347
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          General and administrative
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          45,483
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          47,472
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          48,506
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -4%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -6%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Total operating expenses
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          162,210
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          163,735
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          158,932
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="top">
          Amortization of core deposit intangibles
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          30
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          542
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -20%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -96%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Merger-related expenses
        </td>
        <td>

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

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,211
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total non-interest expense
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          162,234
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          163,765
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          161,685
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -1%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Income before taxes
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          178,452
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          180,702
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          197,388
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -10%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Income tax expense
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          67,984
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          65,447
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          72,089
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          4%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -6%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          <b>Net Income</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $ 110,468
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $ 115,255
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $ 125,299
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -12%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Preferred stock dividends
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,207
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,207
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          NM
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          <b>Net Income available to common shareholders</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $102,261
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $107,048
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $125,299
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -4%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -18%
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          <b>Basic earnings per common share</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.21
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.22
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.26
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -5%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -19%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          <b>Diluted earnings per common share</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.21
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.22
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.26
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -5%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -19%
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          <b>Dividends per common share</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.17
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.17
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $0.17
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </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>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
    <p>
      The following table summarizes the contribution of loan and securities
      prepayment income on the Company's interest income and net interest
      margin for the periods indicated.
    </p>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>
          &#160;
        </td>
        <td colspan="7">

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td colspan="6">

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="7" valign="top">
          <b>For the Three Months Ended</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="6" valign="top">
          <b>Sept. 30, 2017 compared to</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          (dollars in thousands)
        </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>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Total Interest Income</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $393,675
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $399,075
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $416,096
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </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>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Prepayment Income:</b>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $14,076
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $13,285
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $13,422
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Securities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,488
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,708
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,947
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          46%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -72%
        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          Total prepayment income
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $16,564
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $14,993
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $22,369
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          10%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -26%
        </td>
        <td>

        </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>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>GAAP Net Interest Margin</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.53%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.65%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.91%
        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          bp
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Less:
        </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>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left" valign="top">
          Prepayment income from loans
        </td>
        <td>

        </td>
        <td>

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

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

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

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          bp
        </td>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Prepayment income from securities
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          1
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          bp
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -5
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          bp
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Total prepayment income contribution
        </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>
      </tr>
      <tr>
        <td style="padding-left: 20.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          to net interest margin
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          16
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          bp
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          14
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          bp
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          20
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          bp
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          2
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          bp
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -4
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          bp
        </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>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Adjusted Net Interest Margin (non-GAAP)</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.37%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.51%
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2.71%
        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          bp
        </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>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          1.
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Adjusted net interest margin gives investors a better understanding
          of the effect of prepayment income on our net interest margin.
          Prepayment income in any given period depends on the volume of loans
          that refinance or prepay, or securities that prepay, during that
          period. Such activity is largely dependent on external factors such
          as current market conditions, including real estate values, and the
          perceived or actual direction of market interest rates.
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          2.
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Adjusted net interest margin is among the measures considered by
          current and prospective investors, both independent of, and in
          comparison with, our peers.
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="17" valign="top">
          <b>MORTGAGE BANKING INCOME</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="17" valign="top">
          (unaudited)
        </td>
      </tr>
      <tr>
        <td colspan="17">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

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

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

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

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="5" valign="top">
          <b>Sept. 30, 2017</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="9" valign="top">
          <b>For the Three Months Ended</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="5" valign="top">
          <b>compared to</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>Sept. 30,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2016</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2016</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          (in thousands)
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="top">
          Income from originations
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,109
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,394
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10,884
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -52
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -81
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Servicing (loss) income
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (623
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          3,802
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,041
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -116
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -131
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          Total mortgage banking income
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,486
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          8,196
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          12,925
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -82
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -89
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 4.0px; 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>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td colspan="17">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="17" valign="top">
          <b>LOANS ORIGINATED FOR INVESTMENT</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" colspan="17" valign="top">
          (unaudited)
        </td>
      </tr>
      <tr>
        <td colspan="17">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

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

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

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

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="5" valign="top">
          <b>Sept. 30, 2017</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="9" valign="top">
          <b>For the Three Months Ended</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="5" valign="top">
          <b>compared to</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>Sept. 30,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2016</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          (in thousands)
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Mortgage Loans Originated for Investment:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,432,424
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          952,265
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,276,358
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          50
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          12
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          249,773
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          192,072
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          345,543
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          30
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -28
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          One-to-four family residential
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          22,047
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          50,697
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          101,365
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -57
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -78
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          21,754
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          20,836
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          17,855
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          4
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          22
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total mortgage loans originated for investment
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,725,998
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,215,870
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,741,121
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          42
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -1
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="2">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Other Loans Originated for Investment:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          468,735
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          498,918
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          369,308
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          27
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Other commercial and industrial
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          115,569
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          150,787
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          151,279
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -24
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Other
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          700
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          785
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          894
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -11
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -22
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total other loans originated for investment
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          585,004
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          650,490
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          521,481
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -10
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          12
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          <b>Total Loans Originated for Investment</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,311,002
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,866,360
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,262,602
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          24
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          2
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="5" valign="top">
          <b>For the Nine Months Ended</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="2" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="2" valign="bottom">
          <b>2016</b>
        </td>
        <td>

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

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          (in thousands)
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Mortgage Loans Originated for Investment:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3,339,302
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,529,904
        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          692,187
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          892,676
        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          116,603
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          248,020
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -53
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          55,509
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          123,849
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -55
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total mortgage loans originated for investment
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          4,203,601
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          5,794,449
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -27
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="2">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Other Loans Originated for Investment:</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,236,817
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          907,551
        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Other commercial and industrial
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          388,511
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          451,340
        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td>

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

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          2,370
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          3,010
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -21
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total other loans originated for investment
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,627,698
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,361,901
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          20
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          <b>Total Loans Originated for Investment</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          5,831,299
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          7,156,350
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -19
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

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

        </td>
        <td>

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

        </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 colspan="2">

        </td>
        <td>

        </td>
        <td colspan="2">
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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">
          15
        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
    <p>
      The following table provides certain information about the Company's
      multi-family and CRE loan portfolios at the respective dates:
    </p>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="4" valign="top">
          <b>Sept. 30, 2017</b>
        </td>
        <td>
          &#160;
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="5" valign="top">
          <b>At or For the Three Months Ended</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="4" valign="top">
          <b>compared to</b>
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Dec. 31,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30</b>
        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Dec. 31,</b>
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          (dollars in thousands)
        </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>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Multi-Family Loan Portfolio:</b>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Loans outstanding
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $27,162,401
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $26,875,621
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $26,961,486
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          72.4%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          72.1%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          72.1%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          30
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          bp
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          30
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          bp
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Average principal balance
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $5,558
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $5,457
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $5,454
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Weighted average life (in years)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            2.7
          </p>
        </td>
        <td>

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

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            -16%
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            -7%
          </p>
        </td>
        <td>

        </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>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Commercial Real Estate Loan Portfolio:</b>
        </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>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Loans outstanding
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $7,552,777
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $7,543,501
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $7,727,258
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          20.1%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          20.3%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          20.7%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -20
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          bp
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -60
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          bp
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Average principal balance
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $5,721
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $5,727
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $5,644
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Weighted average life (in years)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            2.9
          </p>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.0
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          3.4
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            -3%
          </p>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            -15%
          </p>
        </td>
        <td>

        </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>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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">
          16
        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; margin-left: 0; width: 100%; margin-bottom: 10.0px; margin-right: 0; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>ASSET QUALITY SUMMARY</b>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          (unaudited)
        </td>
      </tr>
      <tr>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: left">
      The following table presents the Company's non-performing non-covered
      loans and assets at the respective dates:
    </p>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30, 2017</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="3" valign="top">
          <b>compared to</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Dec. 31,</b>
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $11,018
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $9,820
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $13,558
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -19%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,923
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          4,497
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          9,297
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -47%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          One-to-four family residential
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,179
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          10,724
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          9,679
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -80%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -77%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,200
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,200
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,200
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          0%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Total non-accrual non-covered mortgage loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          24,320
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          31,241
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          38,734
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -37%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Other non-accrual non-covered loans (1)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          44,650
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          50,747
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          17,735
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -12%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          152%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Total non-performing non-covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          68,970
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          81,988
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          56,469
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          22%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Non-covered repossessed assets (2)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          15,753
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          9,593
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          11,607
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          64%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          36%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          Total non-performing non-covered assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $84,723
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $91,581
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $68,076
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -7%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          24%
        </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>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Includes $43.4 million, $48.3 million, and $15.2 million of
            non-accrual taxi medallion-related loans at September 30, 2017,
            June 30, 2017 and December 31, 2016, respectively.
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (2)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Includes $6.5 million of repossessed taxi medallions at September
          30, 2017.
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: left">
      The following table presents the Company's asset quality measures at the
      respective dates:
    </p>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>
          &#160;
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Dec. 31,</b>
        </td>
        <td>
          &#160;
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Non-performing non-covered loans to total
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          non-covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.18
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.22
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.15
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Non-performing non-covered assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          to total non-covered assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.17
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.20
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          non-performing non-covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          230.42
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          186.39
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (1)
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          277.19
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (1)
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Allowance for losses on non-covered loans to
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          total non-covered loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.42
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (1)
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.42
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (1)
        </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>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Excludes the allowance for losses on PCI loans.
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <div style="width: 100%; margin-left: 0pt; text-indent: 0pt; margin-bottom: 10pt; margin-right: 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">
          17
        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
    <p>
      The following table presents the Company's non-covered loans 30 to 89
      days past due at the respective dates:
    </p>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30, 2017</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="3" valign="top">
          <b>compared to</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Dec. 31,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>June 30,</b>
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: center" valign="top">
          <b>Dec. 31,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Non-Covered Loans 30 to 89 Days Past Due:</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $4,201
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $28
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -86%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2050%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          450
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          1,586
        </td>
        <td>

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

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          676
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          297
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          2,844
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          128%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          -76%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Acquisition, development, and construction
        </td>
        <td>

        </td>
        <td>

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

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

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

        </td>
        <td style="text-align: right" valign="top">
          NA
        </td>
        <td>

        </td>
        <td style="text-align: right" valign="top">
          NA
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Other (1)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          3,425
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          6,051
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          7,511
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -43%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 2.0px; padding-right: 0.0px" valign="bottom">
          -54%
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          Total non-covered loans 30 to 89 days past due
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $5,153
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $12,135
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $10,383
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -58%
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-bottom: 4.0px; padding-right: 0.0px" valign="bottom">
          -50%
        </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>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Includes $3.4 million, $6.0 million, and $6.8 million of
            non-accrual taxi medallion-related loans at September 30, 2017,
            June 30, 2017, and December 31, 2016, respectively.
          </p>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>
      The following table summarizes the Company&#8217;s net charge-offs
      (recoveries) for the respective periods:
    </p>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td>

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

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

        </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>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="11" valign="top">
          <b>For the Three Months Ended</b>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; border-bottom-color: black" colspan="7" valign="top">
          <b>For the Nine Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

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

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30,</b>
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: center" colspan="3" valign="top">
          <b>Sept. 30,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>2017</b>
          </p>
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: center; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" colspan="3" valign="bottom">
          <b>2017</b>
        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Charge-offs:</b>
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          279
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          279
        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          90
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          96
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="top">
          construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Other (1)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          40,557
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          11,816
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          57
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          58,203
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,155
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total charge-offs
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          40,842
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          11,906
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          74
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          58,578
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          1,325
        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <b>Recoveries:</b>
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          ($28
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (78
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          ($28
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          ($78
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Commercial real estate
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (373
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (33
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (398
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (780
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          One-to-four family residential
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (226
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left" valign="top">
          Acquisition, development, and
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 25.0px; text-align: left" valign="top">
          construction
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (55
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (169
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (167
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 15.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Other (1)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (77
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (429
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

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

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (594
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (956
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 2.0px" valign="top">
          Total recoveries
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (492
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (494
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (486
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (1,189
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: solid; border-bottom-width: 1.0pt; border-bottom-color: black">
          &#160;
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (2,207
        </td>
        <td style="border-bottom-style: solid; padding-left: 0.0px; border-bottom-width: 1.0pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left; padding-bottom: 4.0px" valign="top">
          Net charge-offs (recoveries)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          40,350
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          11,412
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (412
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          57,389
        </td>
        <td style="border-bottom-style: double; border-bottom-width: 2.25pt; border-bottom-color: black">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          $
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: right; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          (882
        </td>
        <td style="border-bottom-style: double; padding-left: 0.0px; border-bottom-width: 2.25pt; text-align: left; white-space: nowrap; border-bottom-color: black; padding-right: 0.0px" valign="bottom">
          )
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Net charge-offs (recoveries) to
        </td>
        <td>

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
        <td>

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

        </td>
      </tr>
      <tr>
        <td style="padding-left: 10.0px; text-align: left" valign="top">
          average loans (2)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.11
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.03
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (0.00
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          0.15
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="bottom">
          (0.00
        </td>
        <td style="padding-left: 0.0px; text-align: left; white-space: nowrap; 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>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-size: 8pt; width: 100%; margin-bottom: 10.0px; font-family: Times New Roman" cellspacing="0">
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (1)
        </td>
        <td>
          &#160;
        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Includes taxi medallion-related loans of $40.6 million, $11.3
            million, and $49,000, respectively, for the three months ended
            September 30, 2017, June 30, 2017, and September 30, 2016 and
            $54.8 million and $265,000, respectively, for the nine months
            ended September 30, 2017 and 2016.
          </p>
        </td>
      </tr>
      <tr>
        <td style="padding-left: 0.0px; text-align: right; white-space: nowrap; padding-right: 0.0px" valign="top">
          (2)
        </td>
        <td>

        </td>
        <td style="padding-left: 0.0px; text-align: left" valign="top">
          Non-annualized.
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
    </table>
    </div>
    <p>

    </p>
    <p>
      CONTACT:<br>New York Community Bancorp, Inc.<br>Investors:<br>Salvatore
      J. DiMartino, 516-683-4286<br>or<br>Media:<br>Kelly Maude Leung,
      516-683-4032
    </p>
    <p style="text-align: center">
      18
    </p>
  </body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
