Table of Contents
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FRONT COVER
STRENGTH RESILIENCY EVOLUTION NYCB
OVERVIEW
LETTER TO SHAREHOLDERS
HELPING COMMUNITIES
CORPORATE INFORMATION
FORM 10-K
INDEX
CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING LANGUAGE
GLOSSARY AND ABBREVIATIONS
PART I
ITEM 1. BUSINESS
ITEM 1A. RISK FACTORS
ITEM 1B. UNRESOLVED STAFF COMMENTS
ITEM 2. PROPERTIES
ITEM 3. LEGAL PROCEEDINGS
ITEM 4. MINE SAFETY DISCLOSURES
PART II
ITEM 5. MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS, AND ISSUER PURCHASES OF EQUITY SECURITIES
ITEM 6. SELECTED FINANCIAL DATA
ITEM 7. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
CONSOLIDATED STATEMENTS OF CONDITION
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY
CONSOLIDATED STATEMENTS OF CASH FLOWS
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
NOTE 1: ORGANIZATION AND BASIS OF PRESENTATION
NOTE 2: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
NOTE 3: RECLASSIFICATIONS OUT OF ACCUMULATED OTHER COMPREHENSIVE LOSS
NOTE 4: SECURITIES
NOTE 5: LOANS AND LEASES
NOTE 6: ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES
NOTE 7. LEASES
NOTE 8: DEPOSITS
NOTE 9: BORROWED FUNDS
NOTE 10: FEDERAL, STATE, AND LOCAL TAXES
NOTE 11. DERIVATIVE AND HEDGING ACTIVITIES
NOTE 12: COMMITMENTS AND CONTINGENCIES
NOTE 13: INTANGIBLE ASSETS
NOTE 14: EMPLOYEE BENEFITS
NOTE 15: STOCK-RELATED BENEFIT PLANS
NOTE 16: FAIR VALUE MEASUREMENTS
NOTE 17: DIVIDEND RESTRICTIONS
NOTE 18: PARENT COMPANY-ONLY FINANCIAL INFORMATION
NOTE 19: CAPITAL
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE
ITEM 9A. CONTROLS AND PROCEDURES
ITEM 9B. OTHER INFORMATION
PART III
ITEM 10. DIRECTORS, EXECUTIVE OFFICERS, AND CORPORATE GOVERNANCE
ITEM 11. EXECUTIVE COMPENSATION
ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT, AND RELATED STOCKHOLDER MATTERS
ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE
ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES
PART IV
ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
ITEM 16. FORM 10-K SUMMARY
SIGNATURES
EXHIBIT 23.0 - CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
CERTIFICATIONS
SHAREHOLDER REFERENCE
BACK COVER
