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Jun 30, 2020

NYCB Q2 2020 Earnings Report

Reported diluted EPS of $0.21 driven by double-digit NIM improvement, strong growth in net interest income, and higher PPNR.

Key Takeaways

New York Community Bancorp reported a strong second quarter, with diluted EPS of $0.21, up 11% year-over-year and 5% sequentially. Net income available to common shareholders was $97.1 million, up 9% year-over-year and 5% sequentially. The net interest margin increased 17 bps to 2.18% compared to the previous quarter, and pre-provision net revenue totaled $157.7 million, up 19% year-over-year and 16% sequentially.

Diluted EPS of $0.21, up 11% compared to the second quarter of 2019 and up 5% compared to the first quarter of this year.

Net income available to common shareholders for the second quarter was $97.1 million, up 5% on a sequential basis and up 9% compared to the year-ago quarter.

Pre-provision net revenue for the second quarter of 2020 totaled $157.7 million, up 16% relative to the prior quarter and up 19% compared to the second quarter of last year.

The net interest margin increased 17 bps to 2.18% compared to the previous quarter and was up 18 bps on a year-over-year basis.

Total Revenue
$266M
Previous year: $238M
+11.9%
EPS
$0.63
Previous year: $0.57
+10.5%
Efficiency Ratio
43.94%
Tier 1 Risk-Based Capital
11.06%
Total Risk-Based Capital
13.13%
Gross Profit
$184M
Previous year: $161M
+14.6%
Cash and Equivalents
$1.4B
Previous year: $1.23B
+14.3%
Total Assets
$54.2B
Previous year: $52.8B
+2.7%

NYCB

NYCB

NYCB Revenue by Segment

Forward Guidance

The company anticipates continued strong performance, driven by multi-family loan growth and robust pipeline.