Flagstar Bank, N.a. · NYSE:FLG
Flagstar Bank, N.a — New York Community Bancorp — Investor Presentation (June 2009)
7 slides from Flagstar Bank, N.a's investor presentation, Jun 10, 2009
Slide 1: Net Charge-offs / Average Loans
New York Community Bancorp, Inc. Page 1 Net Charge-offs / Average Loans NYB Net charge-offs: $236,000 $21,000 $420,000 $6.1 million $431,000 We continue to be distinguished by our low level of net charge-offs. $5.1 million Exhibit 99.1
Slide 2: The quality of our loan portfolio has consistently exceeded that of our industry
New York Community Bancorp, Inc. Page 2 The quality of our loan portfolio has consistently exceeded that of our industry.
Slide 3: Net Charge Offs / Average Loans
New York Community Bancorp, Inc. Page 3 Net Charge Offs / Average Loans SNL Thrift Index Our ratio of NCOs to average loans was significantly below the industry average from 1990 through 1992.
Slide 4: Non-performing Loans / Total Loans
New York Community Bancorp, Inc. Page 4 Non-performing Loans / Total Loans SNL Thrift Index From 1990 through 1992, our ratio of NPLs to total loans was consistently below the industry average.
Slide 5: Net Charge-offs / Loan Loss Allowance
New York Community Bancorp, Inc. Page 5 Net Charge-offs / Loan Loss Allowance Our charge-offs typically represent a smaller percentage of our loan loss allowance compared to our industry peers.
Slide 6: Operating efficiency ratio of 36.63% in 1Q 2009
New York Community Bancorp, Inc. Page 6 Our operating efficiency ratio was 36.63% in 1Q 2009, well below the SNL Bank and Thrift Index efficiency ratio of 54.46%. (b) Please see page 33 for a reconciliation of our GAAP and operating efficiency ratios. (b) (b)
Slide 7: At or for the Three Months Ended 3/31/09
New York Community Bancorp, Inc. Page 7 At or for the Three Months Ended 3/31/09 Our asset quality measures continued to exceed those of our industry peers . Asset Quality: SNL Bank & Thrift Index NCOs / average loans 0.02% 0.55% NPLs / total loans 0.79% 2.53% NPAs / total assets 0.55% 1.99% NCOs /
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