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  "documentTitle": "New York Community Bancorp | Results Presentation Deck | 28 slides",
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  "authorName": "New York Community Bancorp",
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  "presentationDate": "2023-03-01 00:00:00",
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  "notes": "The chart highlights NYCB's consistently lower non-performing loan ratios compared to the industry index, particularly during the 2008-2012 financial crisis period.",
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      "kind": "callout",
      "text": "Average NPLs/Total Loans NYCB: 0.45% S&P U.S. BMI Banks Index: 1.57%",
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      "text": "(a) Non-performing loans and total loans exclude covered loans and non-covered purchased credit-impaired (\"PCI\") loans. (b) Non-performing loans are defined as non-accrual loans and loans 90 days or more past due but still accruing interest.",
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      "text": "Our asset quality over various credit cycles has consistently been better than our industry peers",
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