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Jun 30, 2022

NYCB Q2 2022 Earnings Report

Reported record net income and strong year-over-year EPS growth.

Key Takeaways

New York Community Bancorp reported a strong second quarter in 2022, marked by record net income available to common stockholders, record deposit growth, near-record loan growth, record originations, and a higher net interest margin. Asset quality remained stellar and diluted EPS were up 13% year-over-year.

Diluted EPS were $0.34, up 13% year-over-year.

Non-GAAP diluted EPS rose 6% to $0.35 compared to $0.33 in the second-quarter of last year.

Total deposits increased $3.3 billion during the second quarter, up 35% on an annualized basis.

Total loans rose $1.8 billion or 15% on an annualized basis compared to the first quarter of the year.

Total Revenue
$359M
Previous year: $331M
+8.5%
EPS
$1.05
Previous year: $0.99
+6.1%
Efficiency Ratio
35.57%
Previous year: 37%
-3.9%
Net Interest Margin
2.52%
Previous year: 2.5%
+0.8%
Non-Performing Assets
0.09%
Gross Profit
$274M
Previous year: $251M
+9.3%
Cash and Equivalents
$3.28B
Previous year: $2.09B
+57.1%
Total Assets
$63.1B
Previous year: $57.5B
+9.8%

NYCB

NYCB

Forward Guidance

The company did not provide specific forward guidance but expressed optimism about the Flagstar merger.