<SEC-DOCUMENT>0001157523-17-003287.txt : 20171228
<SEC-HEADER>0001157523-17-003287.hdr.sgml : 20171228
<ACCEPTANCE-DATETIME>20171228094325
ACCESSION NUMBER:		0001157523-17-003287
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171228
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20171228
DATE AS OF CHANGE:		20171228

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:		171277248

	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>a51735546.htm
<DESCRIPTION>NEW YORK COMMUNITY BANCORP, INC. 8-K
<TEXT>
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      <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><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">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">December
      28, 2017</font></u><br><br><br><u><font style="font-size: 11pt"><b>NEW
      YORK COMMUNITY BANCORP, INC.</b></font></u><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt; font-family: Times New Roman">(Exact
      name of registrant as specified in its charter)</font><br><br>
    </p>
    <div style="text-align:center">
    <table style="margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%; margin-left:auto;margin-right:auto" cellspacing="0">
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        <td valign="bottom" style="border-bottom-width: 1.0pt; border-bottom-color: black; padding-left: 0.0px; border-bottom-style: solid; width: 28%; text-align: center">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Delaware
          </p>
        </td>
        <td valign="top" style="padding-bottom: 2.0px; padding-left: 0.0px; width: 10%; text-align: left">
          &#160;
        </td>
        <td valign="bottom" style="border-bottom-width: 1.0pt; border-bottom-color: black; white-space: nowrap; padding-left: 0.0px; border-bottom-style: solid; padding-right: 0.0px; width: 24%; text-align: center">
          <p style="margin-top: 0px; margin-bottom: 0px">
            1-31565
          </p>
        </td>
        <td valign="top" style="padding-bottom: 2.0px; padding-left: 0.0px; width: 10%; text-align: left">
          &#160;
        </td>
        <td valign="bottom" style="border-bottom-width: 1.0pt; border-bottom-color: black; white-space: nowrap; padding-left: 0.0px; border-bottom-style: solid; padding-right: 0.0px; width: 28%; text-align: center">
          <p style="margin-top: 0px; margin-bottom: 0px">
            06-1377322
          </p>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="padding-left: 0.0px; width: 28%; text-align: center">
          <p style="margin-top: 0px; margin-bottom: 0px">
            (State or other&#160;jurisdiction of<br>incorporation or
            organization)
          </p>
        </td>
        <td style="width: 10%">

        </td>
        <td valign="top" style="padding-left: 0.0px; width: 24%; text-align: center">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Commission File&#160;Number
          </p>
        </td>
        <td style="width: 10%">

        </td>
        <td valign="top" style="padding-left: 0.0px; width: 28%; text-align: center">
          <p style="margin-top: 0px; margin-bottom: 0px">
            (I.R.S. Employer Identification No.)
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: center">
      <u>615 Merrick Avenue, Westbury, New York 11590</u><br>&#160;(Address of
      principal executive offices)<br><br><u>(516) 683-4100</u><br>(Registrant's
      telephone number, including area code)<br><br><u>Not applicable</u><br>&#160;(Former
      name or former address, if changed since last report)<br><br><br>
    </p>
    <p>
      <font style="font-size: 10pt; font-family: Times New Roman">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-size: 10pt; font-family: Arial Unicode MS">&#8414;</font>
      <font style="font-size: 10pt; font-family: Times New Roman">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-size: 10pt; font-family: Arial Unicode MS">&#8414;</font>
      <font style="font-size: 10pt; font-family: Times New Roman">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-size: 10pt; font-family: Arial Unicode MS">&#8414;</font>
      <font style="font-size: 10pt; font-family: Times New Roman">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-size: 10pt; font-family: Arial Unicode MS">&#8414;</font>
      <font style="font-size: 10pt; font-family: Times New Roman">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-size: 12pt; font-family: Arial Unicode MS">&#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-size: 12pt; font-family: Arial Unicode MS">&#8414;</font>
    </p>
    <p>

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

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

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

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

    </p>
    <p style="white-space: nowrap">
      ITEM 8.01:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Other
      Events</u>
    </p>
    <p style="margin-left: 90.0px; font-size: 10pt; font-family: Times New Roman">
      On December 28, 2017, the Company announced that it expects to record an
      after-tax benefit of approximately $25 million during the fourth quarter
      of 2017 based on a re-valuation of its net deferred tax liability, which
      was necessitated by the recent passage of the Tax Cuts and Jobs Act. In
      addition, the Company announced that it expects an effective tax rate of
      about 27% during full-year 2018.
    </p>
    <p style="margin-left: 90.0px; font-size: 10pt; font-family: Times New Roman">
      <u>Cautionary Statements Regarding Forward-Looking Information</u>
    </p>
    <p style="margin-left: 90.0px; font-size: 10pt; font-family: Times New Roman; text-align: justify">
      Statements made in this Current Report on Form 8-K 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 style="margin-left: 90.0px; font-size: 10pt; font-family: Times New Roman; text-align: justify">
      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 style="margin-left: 90.0px; font-size: 10pt; font-family: Times New Roman; text-align: justify">
      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>
    <p style="margin-left: 90.0px; font-size: 10pt; font-family: Times New Roman; text-align: justify">
      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, during investor presentations, or in our
      SEC filings, which are accessible on our website and at the SEC&#8217;s
      website, www.sec.gov.
    </p>
    <p>

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

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

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

    </p>
    <p style="font-size: 10pt; font-family: Times New Roman; text-indent: 30.0px">
      <font style="font-size: 10pt; font-family: Times New Roman">Pursuant to
      the requirements of the Securities Exchange Act of 1934, the registrant
      has duly caused this report to be signed on its behalf by the
      undersigned hereunto duly authorized.</font>
    </p>
    <p style="text-indent: 30.0px">

    </p>
    <div style="text-align:center">
    <table style="margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%; margin-left:auto;margin-right:auto" cellspacing="0">
      <tr>
        <td valign="top" style="padding-left: 0.0px; width: 5%; text-align: left">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Date:
          </p>
        </td>
        <td valign="top" style="padding-left: 0.0px; width: 45%; text-align: left">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <u>December 28, 2017</u>
          </p>
        </td>
        <td valign="top" style="padding-left: 0.0px; width: 50%; text-align: left">
          <p style="margin-top: 0px; margin-bottom: 0px">
            NEW YORK COMMUNITY BANCORP, INC.
          </p>
        </td>
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        <td style="width: 5%">

        </td>
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          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 50%">

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

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

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

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

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

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

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

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

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

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

        </div>
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          <hr style="height: 1.5pt; color: black">

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

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

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

        </td>
        <td valign="top" style="padding-left: 0.0px; width: 80%; text-align: left">
          &#160;
        </td>
      </tr>
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          <p style="margin-top: 0px; margin-bottom: 0px">
            <a href="a51735546ex99_1.htm">Exhibit 99.1</a>
          </p>
        </td>
        <td valign="top" style="padding-left: 0.0px; width: 80%; text-align: left">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <a href="a51735546ex99_1.htm">News release issued by the Company
            on December 28, 2017.</a>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: center">

    </p>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>a51735546ex99_1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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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: 12pt; font-family: Times New Roman"><b>New
      York Community Bancorp, Inc. Announces Benefits from Enactment of Tax
      Cuts and Jobs Act</b></font></u>
    </p>
    <p>
      WESTBURY, N.Y.--(BUSINESS WIRE)--December 28, 2017--New York Community
      Bancorp, Inc. (NYSE: NYCB) (the &#8220;Company&#8221;) today announced that it
      expects to record an after-tax benefit of approximately $25 million
      during the fourth quarter of 2017. This benefit is based on a
      re-valuation of its net deferred tax liability, triggered by the recent
      passage of new tax legislation.
    </p>
    <p>
      In addition, the Company expects an effective tax rate of around 27%
      during full-year 2018.
    </p>
    <p>
      Commenting on the announcement, President and CEO Joseph R. Ficalora
      stated, &#8220;On December 22, 2017, the Tax Cuts and Jobs Act was signed into
      law. Among other things, it lowers the federal tax rate for corporations
      and necessitates a re-valuation of a company&#8217;s deferred tax assets and
      liabilities. Since we are one of the few banks to have a net deferred
      tax liability, we will receive a benefit from this provision of the Act.
      While this benefit is one-time in nature, it is accretive to all of our
      regulatory capital ratios.&#8221;
    </p>
    <p>
      As previously announced, the Company expects to report fourth quarter
      and full-year 2017 results on January 31, 2018 at approximately 7:00
      a.m. Eastern Time (ET), followed by a conference call with analysts and
      investors at 8:30 a.m. (ET) on the same date.
    </p>
    <p>
      <u><b>About New York Community Bancorp, Inc.</b></u>
    </p>
    <p>
      Based in Westbury, NY, 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. At September 30, 2017, the Company
      reported assets of $48.5 billion, deposits of $28.9 billion,
      stockholders&#8217; equity of $6.8 billion, and a market cap of $6.3 billion.
    </p>
    <p>
      Reflecting our growth through a series of acquisitions, the Community
      Bank operates 225 branches 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, while the
      Commercial Bank 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>Cautionary Statements Regarding Forward-Looking Information</b></u>
    </p>
    <p>
      This news release 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>
    <div style="margin-bottom: 10pt; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; width: 100%">
      <div>
        <div style="text-align: left">

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

        </div>
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          <hr style="height: 1.5pt; color: black">

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

        </div>
      </div>
    </div>
    <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>
    <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, 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">

    </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>

    </p>
    <p>

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

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