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Dec 31, 2020

NYCB Q4 2020 Earnings Report

Reported strong fourth quarter and full-year results driven by double-digit net interest margin expansion and a substantial increase in pre-provision net revenue.

Key Takeaways

New York Community Bancorp reported a strong performance for Q4 2020, with diluted EPS of $0.39, up 70% compared to the previous quarter and 95% year-over-year. The company saw a 13% increase in pre-provision net revenue and a 27% increase in net interest income compared to the year-ago quarter. Asset quality remained solid, with non-performing assets declining.

Diluted GAAP EPS of $0.39, a 70% increase compared to the third quarter of this year and a 95% increase compared to the fourth quarter of last year.

Pre-provision net revenue totaled $189.4 million for the fourth quarter, up 13% relative to the prior quarter and up 42% relative to the year-ago quarter.

Net interest margin increased 18 bp to 2.47% compared to the previous quarter and was up 43 bp compared to the year-ago fourth quarter.

Loans and leases originated for investment totaled $3.9 billion, up 30% compared to the volumes originated during the three months ended September 30, 2020.

Total Revenue
$308M
Previous year: $242M
+27.0%
EPS
$0.81
Previous year: $0.6
+35.0%
Efficiency Ratio
41.36%
Previous year: 48.51%
-14.7%
Tier 1 Risk-Based Capital
10.95%
Previous year: 11.22%
-2.4%
Total Risk-Based Capital
12.97%
Previous year: 13.27%
-2.3%
Gross Profit
$323M
Previous year: $253M
+27.9%
Cash and Equivalents
$1.95B
Previous year: $742M
+162.6%
Total Assets
$56.3B
Previous year: $53.6B
+5.0%

NYCB

NYCB

Forward Guidance

The earnings release does not contain specific forward guidance.