With total assets of $46.7 billion at December 31, 2013, we rank among the
nation�s 25 largest publicly traded bank holding companies. Primarily reflecting
our growth through ten business combinations between November 30, 2000 and
March 26, 2010, we currently have 273 branch offices, combined, in five states.
We are organized under Delaware Law as a multi-bank holding company and have two
primary subsidiaries: New York Community Bank and New York Commercial Bank
(hereinafter referred to as the �Community Bank� and the �Commercial Bank,�
respectively, and collectively as the �Banks�).
New York Community Bank
Established in 1859, the Community Bank is a New York State-chartered savings
bank with 243 branches that currently operate through seven local divisions.