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  "documentTitle": "New York Community Bancorp | Results Presentation Deck | 31 slides",
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  "presentationDate": "2023-07-01 00:00:00",
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      "text": "Strong operating performance: Q2 2023 net income $345M, EPS $0.47, NIM 3.21%",
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      "text": "Strong capital and disciplined credit: CET1 9.58%, NPAs/Total Assets 0.21%, NPLs/Total Loans 0.28%, ALL/NPLs 255%",
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      "text": "Acquisition/Organic driven growth model: Total assets $118.8B, Total loans $83.3B, Total deposits $88.5B",
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      "text": "1. Calculation: (CET1 + AOCI – CF Hedge in AOCI) / RWA; Exclusion of AOCI adjusted for cash flow hedges on loan portfolio\n2. Peer Group includes CFG, FCNC.A, FITB, HBAN, KEY, MTB, PNC, RF, TFC, USB",
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