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Sep 30, 2022

NYCB Q3 2022 Earnings Report

Reported solid third quarter results driven by loan and deposit growth and strong asset quality

Key Takeaways

New York Community Bancorp reported a solid third quarter with diluted EPS of $0.30 and non-GAAP diluted EPS of $0.31. Net income available to common stockholders was $144 million, up 3% year-over-year. The company saw solid loan and deposit growth, stable operating expenses, and strong asset quality.

Diluted GAAP EPS were $0.30, unchanged year-over-year.

Net income available to common stockholders was $144 million, up 3% year-over-year.

Total loans held for investment rose $3.2 billion or 9% annualized to $49.0 billion compared to December 31, 2021.

Total deposits increased $6.6 billion or 25% annualized to $41.7 billion compared to December 31, 2021.

Total Revenue
$326M
Previous year: $318M
+2.5%
EPS
$0.93
Previous year: $0.93
+0.0%
Efficiency Ratio
38.57%
Previous year: 38.84%
-0.7%
Tier 1 Risk-Based Capital
10.29%
Previous year: 11.13%
-7.5%
Total Risk-Based Capital
12.06%
Previous year: 13.11%
-8.0%
Gross Profit
$343M
Previous year: $234M
+46.6%
Cash and Equivalents
$1.7B
Previous year: $2.52B
-32.6%
Total Assets
$63B
Previous year: $57.9B
+8.8%

NYCB

NYCB

Forward Guidance

The current pipeline heading into the fourth quarter of the 2022 stands at $2.3 billion. Approximately 87% of the pipeline represents new money to the Bank. The current pipeline includes $1.0 billion of multi-family loans, $410 million of CRE loans, and $692 million of specialty finance loans.