Flagstar Bank, N.a. · NYSE:FLG
Flagstar Bank, N.a — New York Community Bancorp — Ryan Beck Financial Institutions Investor Conference 2005
26 slides from Flagstar Bank, N.a's conference presentation, Nov 2, 2005
Slide 1: Our Commitment… Our Advantage
Exhibit 99.1 Our Commitment…Our Ryan Financial BeckInstitutions Investor Advantage Conference November 2, 2005
Slide 2: Forward-looking statements
This prospective including Forward-looking “believe,” There looking the investment composition liabilities, Company’s threatened in dependent; competitive, subject In expectations materially Inc. related Readers Company legislation addition, securities to presentation, are successfully revenue to st
Slide 3: Additional Information regarding proposed transaction
Note:the New regarding Bancorp, request Veterans Long transaction. with Additional other York Island The toproposed Highway, Inc. its New following Community documents Disclosure information Information Financial proposed and York Long transaction Suite notice Community filed Corp. transaction Banco
Slide 4: We are a leading thrift in the nation
We Singer’s The third investment (a) (b) are fifth largest aSNL leading largest product thrift DataSource thrift financial Annuitydepository sales in the and (b) institution nation, Ranked Fundsin the New with among in –the Report York total NY the assets Metro Metro five of most region, region. Aug
Slide 5: We have grown deposits organically and through acquisitions
We millions) (in NOW, CDs $1,874 $2,408 $2,588 $1,949 $2,842 $4,362 $5,247 $720 12/31/99 Total (a) (c) have deposits: Deposits: MMAs, $465 w/ $739 Pro grown 12/31/00 RCBK RSLN forma $5,911 58.2% and $1,076 Excludingdeposits $455 for 12/31/01 Savings $3,752 the CAGR $3,257 organically prospective Atl
Slide 6: Our locations: convenience and service
Our locations 141 Convenience More Multiple Service Extensive Traditional Community business hours delivery Product banking ofmodel service channels Selection products emphasizes per week Long-term Alternative than convenience, our relationships competitors investment service,products selection, Loa
Slide 7: We currently serve the NY Metro market
We Market currently Queens Long Staten Brooklyn Served 26475have Island Traditional 34(a) 33 17 141 26 5NJ branches 60(a) 23(a) 9 Other Branches serving In-store the NY Branches Metro region. Total Westchester Hudson Essex Bronx, Total (a) & 49 & County, Union NY—1 89 Includes141 NYCNJ 4—4 1aCountie
Slide 8: We offer more banking hours than competitors
We offer 96% Premium of deposits more Banking hours have Services of branch service available access per week 68 24or/than 7more 24-hour our hours competitors. on-line per week banking 27% 24-hour of deposits bank-by-phone have branch 24-hour access 80 ATM hours access per week at 141 All locations
Slide 9: Our branch locations and delivery channels
Our branch Traditional Real-time Windows-based 24-hour 137 products bank-by-phone processing branches locations andpersonal services In-store 4 remote Bank finance arebranches by accessible locations mail management 24-hour On-line throughATMs capabilities Banking multiple channels.
Slide 10: Community and customer loyalty
Community We Customer Over Employee Branch have 25% 20% Managers established been Loyalty Loyalty ofLoyalty our student serving customer average long-term accounts depositors 12+ households have years relationships forremained more ofhave service than been with active with 145 with ouryears post-gra
Slide 11: We offer a full menu of traditional banking products
We offer aaccounts Checking Overdraft protection full menuSavings Safe of traditional deposit accounts box banking CDs rentals IRAs products Wire Smart transfers and Student services. Direct Banking deposit Money orders Teller’s checks Travelers’ checks
Slide 12: We offer a broad range of card services
We offer Safe Pre-paid Verified Money by MasterCard a broad Visa Card(Web range $afePay and purchase ofVisa card Cardservices. payment MasterCard option) and Visa Pre-paid gift cards Pre-paid phone cards MetroCards
Slide 13: Life insurance, annuities and investment products
Lifehave Product Discount Third-party SBLI, We offer insurance Symetra, 400 abrokerage broad Providers licensed Annuities Liberty spectrum /on-line in-branch NY Mutual ofLife, trading alternative employees, funds AIG, The investment Principal supported products Group by 25Oppenheimer, dedicated thro
Slide 14: We offer an extensive menu of loans
We offer 1-4 1,800 Loans Auto credit Family Loans mortgage foran first-time Mortgage extensive Student programs, homebuyers Loans Loans menuincluding: Personal of loans Investment Loans for consumers propertythrough loans Debt nationally consolidation recognized loans third-party Construction condui
Slide 15: Our in-branch customer strategic alliances
Ourin-branch Customer Provides or Company Attracts strategic diverse an Benefits extensive Customers alliances customer range benefit may base of also both Eliminates products apply our customers on-line Facilitates creditorrisk and by one-stop Reduces phone the Company. shopping origination Offers
Slide 16: Community involvement and contributions
Deposit 26 Bank Executive languages contributions growth Officers spoken hasand exceeded been within Directors supported the $377,000 branch serve by our on network, in 2004; 30 active non-profit exceed 17 involvement in Queens $185,000 boardsin alone ofthe YTD directors Foundation communities Brand
Slide 17: We are establishing a commercial banking platform
We are New family Checking/Savings Employee Construction York Loans establishing Banking/Employee Community Commercial Loans Construction Money Business a commercial Bancorp, Bank Bank Market Loans CDs Retirement Inc. Payroll Accounts bankingProcessing Insurance platform CDs IRAsto $afePay Premium c
Slide 18: We have implemented consumer deposit growth initiatives
We 2005 Created Opened 3Q haveThe an implemented Partnering in-store Premierbranch with Banking a series local in Co-op Group colleges of consumer City in to 1Q inestablish 2005 2Q deposit 2005 to depository growth attract to capitalize personal initiatives relationships ondeposits our over lending
Slide 19: Commercial deposit initiatives and acquisitions
Weservice Created Established to acquire alsoAtlantic The have health aPremier depository launched Bank savings Banking ofseveral relationship New accounts York Group initiatives Entered (“Atlantic with to attract toCo-op into generate Bank”) business anCity agreement commercial management, deposits
Slide 20: The LICB and Atlantic Bank acquisitions
The LICB CashLICBAtlantic Immediately Provides and an Atlantic Bank accretive established Bank acquisitions tocommercial GAAPC&Iand cash will banking enhance earnings ? ?our earnings, our asset mix, and our deposit growth. platform Enhances mid- size and Adds our flows pay asset businesses from down
Slide 21: The pro forma franchise
ThePro (a) Pro Forma acquisitions forma Locations forwill the LICB expand 170 Branches and ourAtlantic footprint 219 ATMs acquisitions. in the NY Metro region. (a)
Slide 22: Pro forma deposit market share rankings
The (dollars Rank Manhattan 23 77 Queens 17 Kings 1 2 3 4 5 6 7 8 9 10 16 30 Totals Rank 19 Nassau 27 Staten (a) acquisitions Apple VSB PopularInstitution Deutsche Charles Israelin 520 Westchester 11Astoria NYB Ridgewood Dime Maspeth Independence NSB Dime Commerce Atlantic millions) Hapoalim 126 47
Slide 23: The pro forma deposits and loans
ThePro (dollars Deposits 6/30/05 Pro Loans Total: (a) (b) Excluding Forma acquisitions $11,538 $13,415 $15,684 $17,259 forma in millions) (a)for Atlantic’s (b)will the acquisitions bolster Parent-Related our core of LICB deposit Deposits. andgrowth Atlantic. and our loan portfolio.
Slide 24: Our commitment is our advantage
Ourour We by are commitment ongoing committed distinguished focus istoour providing supporting, by onadvantage... these deposit commitments, our growth actively, customers through thewhich communities with newconvenience, have initiatives earned whereand the service, they loyalty accretive live and
Slide 25: Deposit and loan growth reflected in our results
... CAGR Deposit as reflected Total Core Demand Loan Total (a)Growth in 74.2 deposits our85.8 results. 58.2% deposits Growth loans family Multi- (a) 12/31/99 –53.9 loans 49.4 6/30/05 (pro forma for the LICB and Atlantic acquisitions)
Slide 26: For More Information
For More The Log 615 Merrick Company onto our Information: Avenue web trades site: Westbury, onwww.myNYCB.com the NYSE NY under 11590theE-mail symbolrequests “NYB”.to: iangarola@myNYCB.com Call Investor Relations at: (516) 683-4420 Write to: New York Community Bancorp, Inc.
New York Community Bancorp — Ryan Beck Financial Institutions Investor Conference 2005 on 6ix