New York Community Bancorp, Inc. Reports a 26.4% Year-over-Year Increase in 1Q 2009 OperatingEarnings(1); Diluted Operating EPS Rose 18.2% to $0.26; Diluted Cash EPS Rose 16.0% to $0.29 (1)(2)

Board of Directors Declares $0.25 per Share Quarterly Cash Dividend

1Q 2009 Performance Highlights

* Solid Operating Earnings Growth: Operating earnings rose 26.4% year-over-year,
equivalent to an 18.2% increase in diluted operating earnings per share.(1)
* Solid Cash Earnings Growth: Cash earnings rose 22.2% year-over-year,
equivalent to a 16.0% increase in diluted cash earnings per share.(2)
* Net Interest Margin Expansion: At 2.89%, our margin was up two basis points
linked-quarter and 48 basis points year-over-year.
* Strong Operating Efficiency: At 36.63%, our operating efficiency ratio
reflected a year-over-year improvement of 543 basis points.(3)
* Loan Production Continues at Substantial Spreads: Loan originations totaled
$666.0 million during the quarter; the average yield on newly originated
multi-family and commercial real estate loans was 438 basis points higher than
the average five-year Constant Maturity Treasury rate.
* Asset Quality: Non-performing assets represented 0.55% of total assets, while
net charge-offs equaled 0.02% of average loans.
* Continued Capital Strength: Excluding accumulated other comprehensive loss,
net of tax ("AOCL") from the respective calculations, the ratio of adjusted
tangible stockholders` equity to adjusted tangible assets improved to 5.99% at
March 31, 2009 from 5.94% at December 31, 2008. Including AOCL, the ratio of
tangible stockholders` equity to tangible assets rose to 5.75% from 5.66%.(4)

WESTBURY, N.Y.--(Business Wire)--
New York Community Bancorp, Inc. (NYSE: NYB) (the "Company") today reported
first quarter 2009 GAAP and operating earnings of $88.7 million, equivalent to
diluted GAAP and operating earnings per share of $0.26.(1)

On a GAAP basis, the Company`s first quarter 2009 earnings were up $16.3
million, or 22.5%, from the year-earlier level; on an operating basis, the
Company`s first quarter 2009 earnings were up $18.5 million, or 26.4%,
year-over-year. At $0.26, the Company`s diluted GAAP and operating earnings per
share were $0.04, or 18.2%, higher than the level recorded in the first quarter
of 2008.(1)

The Company also reported first quarter 2009 cash earnings of $99.9 million, up
$18.2 million, or 22.2%, from the level recorded in the year-earlier three
months. The first quarter 2009 amount was equivalent to $0.29 on a diluted
per-share basis, signifying a year-over-year increase of $0.04, or 16.0%.(2)

Board of Directors Declares $0.25 per Share Dividend, Payable on May 19th

Commenting on the Company`s first quarter 2009 performance, Chairman, President,
and Chief Executive Officer Joseph R. Ficalora stated, "I am pleased to report
that the Company generated solid first quarter earnings, despite the adverse
economic conditions that continue to challenge us all. Reflecting year-over-year
increases in our margin and net interest income, we reported higher earnings on
both a GAAP and operating basis, as well as higher diluted GAAP and operating
earnings per share.

"In fact, our GAAP and operating earnings were one and the same in the current
first quarter, amounting to $88.7 million, or $0.26 per diluted share. On an
operating basis, our earnings were up 26.4% from the year-earlier level, and at
$0.26, our diluted earnings per share were up 18.2% year-over-year.

"It is worthy of note that these increases were achieved despite an increase in
our FDIC assessment, pension expense, and provision for loan losses, which
together totaled $14.5 million, pre-tax. In addition, our effective tax rate
rose 242 basis points year-over-year to 33.56% in the quarter, adding $3.2
million to our income tax expense.

"Furthermore, our first quarter cash earnings rose 22.2% year-over-year, to
$99.9 million, equivalent to a 16.0% increase in diluted cash earnings per share
to $0.29. Reflecting the strength of our first quarter cash earnings, our ratio
of adjusted tangible stockholders` equity to adjusted tangible assets rose to
5.99% at March 31st.(2)(4)

"Given our first quarter earnings growth, and our confidence in our ability to
generate strong earnings going forward, the Board of Directors last night
declared our 21st consecutive quarterly cash dividend of $0.25 per share. The
dividend will be paid on May 19th to shareholders of record at May 8th.

Asset Quality Measures Continue to Exceed Industry Averages

"While these continue to be exceedingly difficult times for our region and our
nation, we were very pleased with our first quarter performance, and with the
continued strength of our balance sheet at March 31st. While non-performing
loans rose over the course of the quarter, to $175.3 million, our level of net
charge-offs remained modest, at $5.1 million, and our measures of asset quality
thereby continued to exceed those of our industry peers.

"The notable difference between the volume of non-performing loans and the
volume of charge-offs we record is one of the distinguishing features that make
this Company unique. While non-performing loans represented 0.79% of total loans
at March 31st, net charge-offs represented a modest 0.02% of average loans in
the quarter, consistent with the measure recorded in the trailing three-month
period. Similarly, our net charge-offs represented a modest 5.37% of our average
loan loss allowance, in contrast to the SNL Bank and Thrift Index measure of
19.23%. (5)

"In view of current economic conditions, we recorded a $6.0 million loan loss
provision during the quarter. Reflecting this provision, and the aforementioned
net charge-offs, our loan loss allowance rose to $95.3 million at the end of
March. In contrast to our industry peers, whose loan loss reserves were
approximately five times higher than the volume of net charge-offs recorded, our
allowance for loan losses was nearly 19 times higher than the volume of loans we
charged off."

"Although the economic environment will likely remain a challenge in the coming
quarters, we are confident in our ability to generate solid earnings in 2009.
While prepayment penalty income has declined in concert with the slowdown in
refinancing activity, we expect to see continued net interest income growth and
margin expansion, as our spreads continue to widen and our funding costs
continue to decline," Mr. Ficalora said.

Balance Sheet Summary at March 31, 2009

Assets totaled $32.4 billion at March 31, 2009, a $64.4 million reduction from
the balance recorded at December 31, 2008.

Loans

Loans represented $22.3 billion, or 68.8%, of total assets at the close of the
first quarter, and were up $101.2 million from the balance recorded at December
31, 2008. Multi-family loans represented $15.9 billion, or 71.1%, of total loans
outstanding, and were up $130.6 million from the balance at year-end 2008.
Commercial real estate ("CRE") loans represented $4.6 billion, or 20.7%, of
total loans at the close of the first quarter, signifying a $54.9 million
increase from the year-end 2008 amount.

At March 31st, the average multi-family loan had a principal balance of $3.9
million; the average CRE loan had a principal balance of $2.5 million at the
same date. The multi-family and CRE loan portfolios had average loan-to-value
ratios ("LTVs") of 61.0% and 54.7%, respectively, at the close of the quarter,
and expected weighted average lives of 3.7 and 3.4 years, respectively.

Also included in total loans at the close of the quarter were one- to
four-family loans of $256.4 million; acquisition, development, and construction
("ADC") loans of $722.9 million; and other loans, primarily consisting of
commercial and industrial ("C&I") loans, of $852.0 million. The respective
balances were down $9.9 million, $53.7 million, and $20.7 million, from the
balances recorded at December 31, 2008. The Company has been strategically
reducing these segments of its loan portfolio.

The increase in the loan portfolio was the net effect of originations totaling
$666.0 million and repayments totaling $564.8 million. Multi-family and CRE
loans represented $317.8 million and $135.3 million of the first quarter`s loan
production, as compared to $854.4 million and $328.9 million in the fourth
quarter of 2008.

The linked-quarter decline in multi-family and CRE loan originations was largely
due to the significant volume of loans that were closed in the trailing quarter,
several of which had been expected to close in the first three months of this
year. The reductions in ADC and other loans were consistent with the Company`s
actions in recent quarters and reflect the vulnerability of such loans during a
period of economic uncertainty.

At the present time, the Company has a pipeline of approximately $851 million,
including approximately $478 million of multi-family loans.

Asset Quality

In the three months ended March 31, 2009 and December 31, 2008, the Company
recorded net charge-offs of $5.1 million and $3.4 million, both representing
0.02% of average loans at the respective dates. The first quarter 2009 amount
consisted primarily of ADC and C&I loans.

Non-performing assets totaled $176.8 million at March 31, 2009 and $114.8
million at the end of December, representing 0.55% and 0.35% of total assets,
respectively. The three-month increase was the result of a $61.6 million
increase in non-performing loans to $175.3 million and a $360,000 increase in
other real estate owned to $1.5 million.

Historically, there has been a significant difference between the volume of
loans that are classified by the Company as non-performing and the volume of
loans that the Company has charged off. Among the factors that have contributed
to this difference are the Company`s underwriting policies, and the active
involvement of those directors who serve on the Board's Mortgage and Credit
Committees in the loan review process, together with executive officers.

In view of the current economic environment, the Company recorded a loan loss
provision of $6.0 million in the first quarter of 2009, as compared to $5.6
million in the fourth quarter of 2008. Reflecting the loan loss provision and
the net charge-offs recorded in the first quarter, the allowance for loan losses
rose from $94.4 million at the end of December to $95.3 million at the end of
March.

Securities

The securities portfolio declined from $5.9 billion at the end of December to
$5.8 billion, representing 17.8% of total assets, at March 31, 2009.
Government-sponsored enterprise ("GSE") securities represented approximately 90%
of the securities portfolio at that date.

The three-month reduction in the securities portfolio was attributable to a
$107.3 million decline in securities held to maturity and a $39.7 million
decline in securities available for sale. At $4.8 billion, held-to-maturity
securities represented 83.1% of the total portfolio, while available-for-sale
securities represented the remaining $970.8 million, or 16.9%, at March 31,
2009.

Reflecting the changes in market interest rates and spreads over the quarter,
the after-tax net unrealized loss on available-for-sale securities declined by
$7.9 million, or 24.2%, to $24.6 million at March 31, 2009.

Funding Sources

In addition to the cash flows generated through loan and securities repayments,
the Company`s funding primarily stems from deposits and borrowed funds.
Depending on the availability and attractiveness of wholesale funding sources,
the Company has typically refrained from pricing its retail deposits at the
higher end of the market in order to contain its funding costs. While the
Company has the capacity to increase deposits through its extensive branch
network, it opted to utilize wholesale borrowings to enhance its liquidity
during a quarter when such funding was more attractively priced.

At March 31, 2009, deposits totaled $14.1 billion, a $199.7 million reduction
from the balance recorded at December 31, 2008. While savings accounts rose $1.6
million to $2.6 billion and non-interest-bearing accounts rose $20.8 million to
$1.1 billion, these increases were offset by a $203.7 million decline in NOW and
money market accounts to $3.6 billion and by an $18.5 million decline in
certificates of deposit ("CDs") to $6.8 billion.

Borrowed funds totaled $13.7 billion at the close of the first quarter, a $209.8
million increase from the year-end 2008 amount. The increase was largely
attributable to a $209.9 million rise in wholesale borrowings to $12.6 billion,
as the Company utilized lower-cost Federal Home Loan Bank of New York
("FHLB-NY") advances to pay down a portion of its brokered CDs and money market
accounts. As a result, wholesale borrowings represented 38.7% of total assets at
the close of the quarter, as compared to 38.0% at year-end 2008.

Stockholders` Equity

Stockholders` equity rose $16.6 million from the balance recorded at the end of
December to $4.2 billion at March 31, 2009. The latter balance was equivalent to
13.07% of total assets and a book value of $12.30 per share. By comparison, the
December 31, 2008 balance was equivalent to 13.00% of total assets and a book
value of $12.25 per share. The Company calculates book value per share by
excluding the number of unallocated Employee Stock Ownership Plan ("ESOP")
shares from the number of shares outstanding. At March 31, 2009 and December 31,
2008, the Company`s book value per share was calculated on the basis of
344,398,362 and 344,353,808 shares, respectively.

At March 31, 2009, tangible stockholders` equity totaled $1.7 billion, up $22.3
million from the balance at December 31, 2008. The March 31, 2009 amount was
equivalent to 5.75% of tangible assets, representing a nine-basis point
improvement from the measure recorded at December 31, 2008. Excluding AOCL from
the calculation, the Company`s adjusted tangible stockholders` equity
represented 5.99% of tangible assets at the close of the first quarter, up from
5.94% of tangible assets at December 31, 2008. The three-month improvement in
tangible stockholders` equity reflects the contribution to capital of the
Company`s cash earnings and a $9.2 million reduction in AOCL. (4)

The Company`s subsidiary banks also reported solid levels of capital at the
close of the first quarter, and continued to exceed the requirements for
classification as "well capitalized" institutions under the FDIC Improvement
Act. At March 31, 2009, New York Community Bank had a leverage capital ratio of
7.11%, exceeding the minimum required for "well capitalized" classification by
211 basis points. At the same time, New York Commercial Bank had a leverage
capital ratio of 11.28%, exceeding the minimum required for such classification
by 628 basis points.

Earnings Summary for the Three Months Ended March 31, 2009

The Company generated GAAP earnings of $88.7 million in the current first
quarter, as compared to $72.4 million in the three months ended March 31, 2008.
Included in the first quarter 2008 amount were a $1.6 million gain stemming from
the Company`s membership interest in Visa Inc. (the "Visa-related gain") and a
$926,000 gain on the repurchase of certain debt. Together, these gains were
equivalent to $2.2 million after-tax.

Excluding these items, the Company reported first quarter 2008 operating
earnings of $70.2 million, or $0.22 per diluted share. In the first quarter of
2009, the Company`s operating earnings and diluted operating earnings per share
were equivalent to its GAAP earnings of $88.7 million, or $0.26 per diluted
share. (1)

Net Interest Income

In the first quarter of 2009, net interest income totaled $206.9 million,
representing a $45.5 million, or 28.2%, increase from the year-earlier amount.
The increase was driven by a marked reduction in the average costs of borrowed
funds and interest-bearing deposits, and by the substantial growth of the
Company`s loan portfolio during this time.

While the average balance of interest-earning assets rose $1.6 billion
year-over-year to $28.3 billion, the benefit was tempered by a 38-basis point
decline in the average yield, to 5.66%. As a result, the interest income
produced by interest-earning assets in the current first quarter, $400.1
million, was down $2.2 million from the interest income produced in the first
quarter of 2008. The latter decline was exceeded by a $47.7 million reduction in
interest expense to $193.2 million, thus resulting in the year-over-year
improvement in net interest income.

Loans generated $321.7 million of first quarter 2009 interest income, up $8.7
million from the year-earlier amount. The increase was the net effect of a $1.9
billion rise in the average balance to $22.1 billion and a 36-basis point
reduction in the average yield to 5.83%. The reduction in the average yield was
partially due to a $9.1 million decline in prepayment penalty income on
multi-family and CRE loans to $1.2 million, as economic uncertainty discouraged
many borrowers from refinancing their loans.

Meanwhile, the interest income produced by securities fell $8.6 million to $78.4
million, as a $64.0 million increase in the average balance of such assets to
$6.2 billion was offset by a 61-basis point reduction in the average yield to
5.07%. In the first quarter of 2009, the Company reinvested the substantial cash
flows from accelerated repayments that were received toward the end of the
trailing quarter into securities that featured lower yields.

Largely reflecting the Company`s focus on lending over the past four quarters,
the average balance of money market investments fell to $11.3 million in the
current first quarter from $293.2 million in the first quarter of 2008. As a
result, the interest income produced by such assets declined to $6,000 from $2.4
million during this time.

Interest expense declined by $47.7 million, or 19.8%, from the year-earlier
level to $193.2 million in the first quarter of 2009. While the average balance
of interest-bearing liabilities rose $1.8 billion year-over-year to $26.8
billion, the average cost of such funds fell 93 basis points to 2.92%. Borrowed
funds accounted for $128.7 million of interest expense in the current first
quarter, a $15.4 million reduction from the year-earlier amount. While the
average balance of such funds rose $1.2 billion year-over-year to $14.0 billion,
the impact was offset by a 78-basis point decline in the average cost to 3.71%.
Similarly, interest-bearing deposits accounted for $64.5 million of the interest
expense produced in the current first quarter, a $32.2 million reduction from
the year-earlier amount. While the average balance of such funds rose $582,000
year-over-year to $12.8 billion, the average cost fell 113 basis points during
this time, to 2.05%. The reduction in funding costs not only reflects the
decline in the federal funds rate over the past four quarters, but also the
Company`s strategic replacement of higher-cost retail and wholesale deposits
with lower-cost retail deposits and wholesale borrowings.

NOW and money market accounts generated interest expense of $7.6 million in the
current first quarter, a year-over-year reduction of $6.6 million. Although the
balance of NOW and money market accounts rose $1.0 billion year-over-year, to
$3.7 billion, the cost of such funds fell 133 basis points, to 0.84%. In
addition, the interest expense produced by CDs fell $23.9 million year-over-year
to $52.7 million, as the average balance of such funds declined $580.1 million
to $6.4 billion and the average cost of such funds fell 106 basis points. With
$6.0 billion of CDs with an average interest rate of 2.80% scheduled to mature
in the next four quarters, the Company expects to see a further decline in the
cost of such funds in the next twelve months.

The same factors that contributed to the year-over-year increase in first
quarter 2009 net interest income contributed to the expansion of the Company`s
interest rate spread and net interest margin during this time. At 2.74%, the
Company`s spread was 55 basis points wider than the year-earlier measure; at
2.89%, its margin was up 48 basis points year-over-year. Prepayment penalty
income contributed one basis point to the current first quarter margin, as
compared to 15 basis points in the first quarter of 2008.

Provision for Loan Losses

The provision for loan losses is based on management`s assessment of the
adequacy of the loan loss allowance. This assessment is made periodically and
considers several factors, including the current and historical performance of
the loan portfolio and its inherent risk characteristics; the level of
non-performing loans and charge-offs; local economic conditions; the direction
of real estate values; and current trends in regulatory supervision.

The Company recorded a loan loss provision of $6.0 million in the current first
quarter; no loan loss provision was recorded in the first quarter of 2008.
Reflecting the current first quarter provision and net charge-offs of $5.1
million, the allowance for loan losses rose to $95.3 million at March 31, 2009
from $94.4 million at December 31, 2008. For additional information about the
provision for loan losses and the loan loss allowance, please see the discussion
of Asset Quality earlier in this release.

Non-interest Income

The Company has three primary components of non-interest income: fee income,
income from Bank-owned Life Insurance ("BOLI"), and other income, primarily
consisting of revenues from the sale of third-party investment products and
revenues from the Company`s investment subsidiary, Peter B. Cannell & Co., Inc.
("PBC"). Together, these three ongoing revenue sources totaled $22.2 million in
the current first quarter, as compared to $27.6 million in the year-earlier
three months.

The year-over-year reduction was primarily due to a $4.2 million decline in
other income to $6.0 million, including a $1.5 million reduction in revenues
from PBC. In addition, the Company recorded a $1.6 million Visa-related gain in
the year-earlier first quarter, and no such gain was recorded in the first
quarter of 2009. Fee income also fell year-over-year, to $9.3 million from $10.6
million, more than offsetting a modest rise in BOLI income to $6.8 million.

In addition to these three ongoing components of non-interest income, the
Company recorded a $926,000 gain on debt repurchase in the first quarter of
2008. As a result, the Company recorded total non-interest income of $28.5
million during that period.

Non-interest Expense

Non-interest expense totaled $89.6 million in the current first quarter, up $4.7
million year-over-year. Included in the first quarter 2009 amount was
compensation and benefits expense of $42.4 million, representing a
year-over-year reduction of $644,000. The year-over-year reduction reflects the
benefit of certain cost control initiatives that were taken, and that offset the
impact of additional pension expense, normal salary increases, and expenses
relating to incentive stock awards. Occupancy and equipment expense rose $1.0
million year-over-year, to $18.7 million, while general and administrative
("G&A") expense rose $4.7 million to $22.8 million. The latter increase was
attributable to the expected rise in FDIC insurance premiums.

Income Tax Expense

The Company recorded income tax expense of $44.8 million in the current first
quarter, up $12.1 million from the level recorded in the year-earlier three
months. The year-over-year rise in income tax expense was the result of a $28.4
million increase in pre-tax income to $133.5 million and an increase in the
effective tax rate to 33.56% from 31.14%.

About New York Community Bancorp, Inc.

With assets of $32.4 billion at March 31, 2009, New York Community Bancorp, Inc.
is the 24th largest bank holding company in the nation and a leading producer of
multi-family loans in New York City, with an emphasis on apartment buildings
that feature below-market rents. The Company has two bank subsidiaries: New York
Community Bank, the nation`s second largest thrift, with 178 branches serving
customers throughout Metro New York and New Jersey; and New York Commercial
Bank, with 37 branches serving customers in Manhattan, Queens, Brooklyn, Long
Island, and Westchester County in New York.

Reflecting its growth through a series of accretive acquisitions, the Community
Bank operates through five local divisions: Queens County Savings Bank in
Queens, Roslyn Savings Bank on Long Island, Richmond County Savings Bank on
Staten Island, Roosevelt Savings Bank in Brooklyn, and Garden State Community
Bank in New Jersey. Similarly, the Commercial Bank operates 18 of its branches
under the name Atlantic Bank. Information about the Company and its bank
subsidiaries is available at www.myNYCB.com and www.NewYorkCommercialBank.com.

Post-Earnings Conference Call

The Company will host a conference call on April 29, 2009 at 9:30 a.m. (ET) to
discuss its first quarter 2009 performance and strategies. The conference call
may be accessed by dialing 800-895-1085 (for domestic calls) or 785-424-1055
(for international calls) and providing the following access code: 7NYCB. A
replay will be available approximately two hours following completion of the
call through midnight on May 4th, and may be accessed by calling 800-283-4605
(domestic) or 402-220-0874 (international) and providing the same access code.
The conference call will also be webcast, and may be accessed by visiting the
Company`s web site, www.myNYCB.com, clicking on "Investor Relations," and
following the prompts. The webcast will be archived through 5:00 p.m. on May 27,
2009.

Forward-looking Statements and Associated Risk Factors

This release, like many written and oral communications presented by New York
Community Bancorp, Inc. and our authorized officers, may contain certain
forward-looking statements regarding our prospective performance and strategies
within the meaning of Section 27A of the Securities Act of 1933, as amended, and
Section 21E of the Securities Exchange Act of 1934, as amended. We intend such
forward-looking statements to be covered by the safe harbor provisions for
forward-looking statements contained in the Private Securities Litigation Reform
Act of 1995, and are including this statement for purposes of said safe harbor
provisions.

Forward-looking statements, which are based on certain assumptions and describe
future plans, strategies, and expectations of the Company, are generally
identified by use of the words "anticipate," "believe," "estimate," "expect,"
"intend," "plan," "project," "seek," "strive," "try," or future or conditional
verbs such as "will," "would," "should," "could," "may," or similar expressions.
Our ability to predict results or the actual effects of our plans or strategies
is inherently uncertain. Accordingly, actual results may differ materially from
anticipated results.

There are a number of factors, many of which are beyond our control, that could
cause actual conditions, events, or results to differ significantly from those
described in our forward-looking statements. These factors include, but are not
limited to: general economic conditions and trends, either nationally or in some
or all of the areas in which we and our customers conduct our respective
businesses; conditions in the securities and real estate markets or the banking
industry; changes in interest rates, which may affect our net income, prepayment
penalty income, and other future cash flows, or the market value of our assets,
including our investment securities; changes in real estate values, which could
impact the quality of the assets securing the loans in our portfolio; changes in
the quality or composition of our loan or securities portfolios; changes in
competitive pressures among financial institutions or from non-financial
institutions; changes in our customer base or in the financial or operating
performances of our customers` businesses; changes in the demand for our
deposit, loan, and investment products and other financial services in the
markets we serve; changes in deposit flows and wholesale borrowing facilities;
changes in our credit ratings or in our ability to access the capital markets;
changes in our estimates of future reserves based upon the periodic review
thereof under relevant regulatory and accounting requirements; changes in our
capital management policies, including those regarding business combinations,
dividends, and share repurchases, among others; our ability to retain key
members of management; changes in legislation, regulation, and policies,
including, but not limited to, those pertaining to banking, securities,
taxation, environmental protection, and insurance, and the ability to comply
with such changes in a timely manner; changes in accounting principles,
policies, practices, or guidelines; changes in the monetary and fiscal policies
of the U.S. Government, including policies of the U.S. Treasury and the Federal
Reserve Board of Governors; our timely development of new lines of business and
competitive products or services in a changing environment, and the acceptance
of such products or services by our customers; operational issues stemming from,
and/or capital spending necessitated by, the potential need to adapt to industry
changes in information technology systems, on which we are highly dependent; any
interruption or breach of security resulting in failures or disruptions in
customer account management, general ledger, deposit, loan, or other systems;
any interruption in customer service due to circumstances beyond our control;
potential exposure to unknown or contingent liabilities of companies we target
for acquisition; the outcome of pending or threatened litigation, or of other
matters before regulatory agencies, or of matters resulting from regulatory
exams, whether currently existing or commencing in the future; environmental
conditions that exist or may exist on properties owned by, leased by, or
mortgaged to the Company; war or terrorist activities; and other economic,
competitive, governmental, regulatory, and geopolitical factors affecting our
operations, pricing, and services.

In addition, it should be noted that we routinely evaluate opportunities to
expand through acquisition and frequently conduct due diligence activities in
connection with such opportunities. As a result, acquisition discussions and, in
some cases, negotiations, may take place at any time, and acquisitions involving
cash, debt, or equity securities may occur.

Furthermore, the timing and occurrence or non-occurrence of events may be
subject to circumstances beyond our control.

Readers are cautioned not to place undue reliance on the forward-looking
statements contained herein, which speak only as of the date of this release.
Except as required by applicable law or regulation, we undertake no obligation
to update these forward-looking statements to reflect events or circumstances
that occur after the date on which such statements were made.

NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED STATEMENTS OF CONDITION

(in thousands, except share data)

March 31, December 31,
2009 2008
(unaudited)
Assets
Cash and cash equivalents $ 167,281 $ 203,216
Securities available for sale:
Mortgage-related 814,112 833,684
Other 156,680 176,818
Total available-for-sale securities 970,792 1,010,502
Securities held to maturity:
Mortgage-related 3,017,364 3,164,856
Other 1,766,344 1,726,135
Total held-to-maturity securities 4,783,708 4,890,991
Total securities 5,754,500 5,901,493
Mortgage loans:
Multi-family 15,856,272 15,725,654
Commercial real estate 4,605,878 4,551,025
Acquisition, development, and construction 722,894 776,559
1-4 family 256,358 266,307
Total mortgage loans 21,441,402 21,319,545
Other loans 852,011 872,667
Total loans 22,293,413 22,192,212
Less: Allowance for loan losses (95,302 ) (94,368 )
Loans, net 22,198,111 22,097,844
Federal Home Loan Bank of New York stock, at cost 416,724 400,979
Premises and equipment, net 213,395 217,762
Goodwill 2,436,401 2,436,401
Core deposit intangibles, net 82,093 87,780
Other assets 1,134,047 1,121,431
Total assets $ 32,402,552 $ 32,466,906

Liabilities and Stockholders` Equity
Deposits:
NOW and money market accounts $ 3,615,300 $ 3,818,952
Savings accounts 2,630,724 2,629,168
Certificates of deposit 6,778,509 6,796,971
Non-interest-bearing accounts 1,068,210 1,047,363
Total deposits 14,092,743 14,292,454
Borrowed funds:
Wholesale borrowings 12,552,946 12,343,064
Junior subordinated debentures 484,102 484,216
Other borrowings 669,459 669,430
Total borrowed funds 13,706,507 13,496,710
Mortgagors` escrow 159,521 83,194
Other liabilities 207,895 375,302
Total liabilities 28,166,666 28,247,660
Stockholders` equity:
Preferred stock at par $0.01 (5,000,000 shares authorized; none issued) -- --
Common stock at par $0.01 (600,000,000 shares authorized; 344,985,111 shares 3,450 3,450
issued; 344,946,651 and 344,985,111 shares outstanding at the respective dates)
Paid-in capital in excess of par 4,186,602 4,181,599
Retained earnings 126,121 123,511
Treasury stock (38,460 and 0 shares at the respective dates) (467 ) --
Unallocated common stock held by ESOP (1,734 ) (1,995 )
Accumulated other comprehensive loss, net of tax:
Net unrealized loss on available-for-sale securities, net of tax (24,633 ) (32,506 )
Net unrealized loss on securities transferred from available for sale to held (4,549 ) (4,706 )
to maturity, net of tax
Net unrealized loss on pension and post-retirement obligations, net of tax (48,904 ) (50,107 )
Total accumulated other comprehensive loss, net of tax (78,086 ) (87,319 )
Total stockholders` equity 4,235,886 4,219,246
Total liabilities and stockholders` equity $ 32,402,552 $ 32,466,906

NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME

(in thousands, except per share data)

(unaudited)

For the Three Months Ended
March 31, December 31, March 31,
2009 2008 2008
Interest Income:
Mortgage and other loans $321,717 $320,127 $312,988
Securities 78,383 90,921 86,974
Money market investments 6 58 2,362
Total interest income 400,106 411,106 402,324

Interest Expense:
NOW and money market accounts 7,563 13,941 14,168
Savings accounts 4,181 4,466 5,979
Certificates of deposit 52,723 61,968 76,574
Borrowed funds 128,689 129,099 144,118
Mortgagors` escrow 35 25 26
Total interest expense 193,191 209,499 240,865
Net interest income 206,915 201,607 161,459
Provision for loan losses 6,000 5,600 --
Net interest income after
provision for loan losses 200,915 196,007 161,459

Non-interest Income:
Fee income 9,291 9,995 10,584
Bank-owned life insurance 6,840 7,744 6,745
Net gain on sale of securities -- 5 --
Loss on other-than-temporary
impairment of securities -- (10,562 ) --
Gain on debt repurchase -- 16,036 926
Other 6,045 5,805 10,242
Total non-interest income 22,176 29,023 28,497

Non-interest Expense:
Operating expenses:
Compensation and benefits 42,422 40,795 43,066
Occupancy and equipment 18,736 18,147 17,710
General and administrative 22,753 21,980 18,042
Total operating expenses 83,911 80,922 78,818
Amortization of core deposit
intangibles 5,687 5,733 6,032
Total non-interest expense 89,598 86,655 84,850
Income before income taxes 133,493 138,375 105,106
Income tax expense 44,804 36,143 32,735
Net Income $ 88,689 $102,232 $ 72,371

Basic earnings per share $0.26 $0.30 $0.22
Diluted earnings per share $0.26 $0.30 $0.22

NEW YORK COMMUNITY BANCORP, INC.

RECONCILIATION OF GAAP AND OPERATING EARNINGS

(unaudited)

Although operating earnings are not a measure of performance calculated in
accordance with U.S. generally accepted accounting principles ("GAAP"), we believe
that operating earnings are an important indication of our ability to generate
earnings through our fundamental banking business. Since operating earnings
exclude the effects of certain items that are unusual and/or difficult to predict,
we believe that our operating earnings provide useful supplemental information to
both management and investors in evaluating the Company`s financial results.

Operating earnings should not be considered in isolation or as a substitute for
net income, cash flows from operating activities, or other income or cash flow
statement data calculated in accordance with GAAP. Moreover, the manner in which
we calculate our operating earnings may differ from that of other companies
reporting measures with similar names.

Reconciliations of the Company`s GAAP and operating earnings for the three months
ended March 31, 2009, December 31, 2008, and March 31, 2008 follow:

For the Three Months Ended
March 31, December 31, March 31,
(in thousands, except per share data) 2009 2008 2008
GAAP Earnings $88,689 $102,232 $72,371
Adjustments to GAAP earnings:
Loss on other-than-temporary impairment of securities -- 10,562 --
Visa-related gain -- -- (1,647 )
Gain on debt repurchase -- (16,036 ) (926 )
Income tax effect -- (4,316 ) 371
Operating earnings $88,689 $ 92,442 $70,169

Diluted GAAP Earnings per Share $0.26 $ 0.30 $0.22
Adjustments to diluted GAAP earnings per share:
Loss on other-than-temporary impairment of securities -- 0.02 --
Visa-related gain -- -- --
Gain on debt repurchase -- (0.05 ) --
Diluted operating earnings per share $0.26 $ 0.27 $0.22

NEW YORK COMMUNITY BANCORP, INC.
RECONCILIATION OF GAAP AND CASH EARNINGS
(unaudited)

While cash earnings are not a measure of performance calculated in accordance with
GAAP, the Company believes that this measure is important because of its
contribution to tangible stockholders` equity. (Please see the discussion and
reconciliation of stockholders` equity and tangible stockholders` equity on page
13 of this release.) The Company calculates cash earnings by adding back to GAAP
earnings certain items that have been charged against net income but added back to
tangible stockholders` equity. Unlike other expenses incurred by the Company, such
capital items represent contributions to, not reductions of, tangible
stockholders` equity. For this reason, the Company believes that cash earnings are
useful to investors seeking to evaluate its financial performance and to compare
its performance with other companies in the banking industry that also report cash
earnings.

Cash earnings should not be considered in isolation or as a substitute for net
income, cash flows from operating activities, or other income or cash flow
statement data calculated in accordance with GAAP. Moreover, the manner in which
the Company calculates cash earnings may differ from that of other companies
reporting measures with similar names.

Reconciliations of the Company`s GAAP and cash earnings for the three months ended
March 31, 2009, December 31, 2008, and March 31, 2008 follow:

For the
Three Months Ended
March 31, December 31, March 31,
(in thousands, except per share data) 2009 2008 2008
GAAP Earnings $88,689 $102,232 $72,371
Additional contributions to tangible stockholders` equity:
Amortization and appreciation of shares held in stock-related benefit plans 3,484 3,236 3,138
Associated tax effects 1,887 (2,071 ) 277
Dividends on unallocated ESOP shares 158 245 244
Amortization of core deposit intangibles 5,687 5,733 6,032
Loss on other-than-temporary impairment of securities -- 6,246 --
Visa-related gain -- -- (325 )
Total additional contributions to tangible stockholders` equity 11,216 13,389 9,366
Cash earnings $99,905 $115,621 $81,737

Diluted GAAP Earnings per Share $0.26 $ 0.30 $0.22
Additional contributions to diluted GAAP earnings per share:
Amortization and appreciation of shares held in stock-related benefit plans 0.01 0.01 0.01
Associated tax effects -- (0.01 ) --
Dividends on unallocated ESOP shares -- -- --
Amortization of core deposit intangibles 0.02 0.02 0.02
Loss on other-than-temporary impairment of securities -- 0.02 --
Visa-related gain -- -- --
Total additional contributions to diluted GAAP earnings per share 0.03 0.04 0.03
Diluted cash earnings per share $0.29 $ 0.34 $0.25

NEW YORK COMMUNITY BANCORP, INC.

RECONCILIATIONS OF STOCKHOLDERS` EQUITY AND TANGIBLE STOCKHOLDERS` EQUITY,

TOTAL ASSETS AND TANGIBLE ASSETS, AND THE RELATED MEASURES

(unaudited)

Although tangible stockholders` equity, adjusted tangible stockholders` equity,
tangible assets, and adjusted tangible assets are not measures that are calculated
in accordance with GAAP, management uses these non-GAAP measures in its analysis
of the Company`s performance. The Company believes that these non-GAAP measures
are an important indication of its ability to grow both organically and through
business combinations, and, with respect to tangible stockholders` equity and
adjusted tangible stockholders` equity, its ability to pay dividends and to engage
in various capital management strategies.

The Company calculates tangible stockholders` equity by subtracting from
stockholders` equity the sum of its goodwill and core deposit intangibles ("CDI")
and calculates tangible assets by subtracting the same sum from its total assets.
To calculate its ratio of tangible stockholders` equity to tangible assets, the
Company divides its tangible stockholders` equity by its tangible assets, both of
which include the accumulated other comprehensive loss, net of tax ("AOCL"). The
AOCL consists of after-tax net unrealized losses on securities and pension and
post-retirement obligations, and is recorded in the Company`s Consolidated
Statements of Condition. The Company also calculates its ratio of tangible
stockholders` equity to tangible assets excluding the AOCL, as its components are
impacted by changes in market conditions, including interest rates, which
fluctuate. This ratio is referred to as the ratio of "adjusted tangible
stockholders` equity to adjusted tangible assets." The Company calculates tangible
book value per share by dividing its tangible stockholders` equity by the number
of shares outstanding less any unallocated ESOP shares. To calculate its returns
on average tangible assets and average tangible stockholders` equity, the Company
adds the amortization of CDI, net of tax, back to net income and divides the
adjusted net income by its average tangible assets and average tangible
stockholders` equity, respectively. Average tangible stockholders` equity is
calculated by subtracting average goodwill and average CDI from average
stockholders` equity.

Neither tangible stockholders` equity, adjusted tangible stockholders` equity,
tangible assets, adjusted tangible assets, nor the related capital measures should
be considered in isolation or as a substitute for stockholders` equity, total
assets, or any other measure calculated in accordance with GAAP. Moreover, the
manner in which the Company calculates its tangible stockholders` equity, adjusted
tangible stockholders` equity, tangible assets, adjusted tangible assets, and the
related measures may differ from that of other companies reporting measures with
similar names. Reconciliations of the Company`s stockholders` equity, tangible
stockholders` equity, and adjusted tangible stockholders` equity; total assets,
tangible assets, and adjusted tangible assets; and the related measures at or for
the three months ended March 31, 2009, December 31, 2008, and March 31, 2008
follow:

At or for the
Three Months Ended
March 31, December 31, March 31,
2009 2008 2008
(in thousands)
Total Stockholders` Equity $ 4,235,886 $ 4,219,246 $ 4,158,173
Less: Goodwill (2,436,401 ) (2,436,401 ) (2,436,933 )
Core deposit intangibles (82,093 ) (87,780 ) (105,091 )
Tangible stockholders` equity $ 1,717,392 $ 1,695,065 $ 1,616,149

Total Assets $32,402,552 $32,466,906 $30,910,081
Less: Goodwill (2,436,401 ) (2,436,401 ) (2,436,933 )
Core deposit intangibles (82,093 ) (87,780 ) (105,091 )
Tangible assets $29,884,058 $29,942,725 $28,368,057

Tangible Stockholders` Equity $1,717,392 $1,695,065 $1,616,149
Add back: Accumulated other comprehensive loss, net of tax 78,086 87,319 32,766
Adjusted tangible stockholders` equity $1,795,478 $1,782,384 $1,648,915

Tangible Assets $29,884,058 $29,942,725 $28,368,057
Add back: Accumulated other comprehensive loss, net of tax 78,086 87,319 32,766
Adjusted tangible assets $29,962,144 $30,030,044 $28,400,823

Average Stockholders` Equity $ 4,162,211 $ 4,185,087 $ 4,107,436
Less: Average goodwill (2,436,401 ) (2,436,173 ) (2,437,301 )
Average core deposit intangibles (85,790 ) (91,477 ) (109,046 )
Average tangible stockholders` equity $ 1,640,020 $ 1,657,437 $ 1,561,089

Average Assets $32,196,921 $32,116,431 $30,660,666
Less: Average goodwill (2,436,401 ) (2,436,173 ) (2,437,301 )
Average core deposit intangibles (85,790 ) (91,477 ) (109,046 )
Average tangible assets $29,674,730 $29,588,781 $28,114,319

Net Income $88,689 $102,232 $72,371
Add back: Amortization of core deposit intangibles, net of tax 3,469 3,497 3,660
Adjusted net income $92,158 $105,729 $76,031

NEW YORK COMMUNITY BANCORP, INC.

NET INTEREST INCOME ANALYSIS

(dollars in thousands)

(unaudited)

For the Three Months Ended March 31,
2009 2008
Average Average
Average Yield/ Average Yield/
Balance Interest Cost Balance Interest Cost
Assets:
Interest-earning assets:
Mortgage and other loans, net $ 22,108,647 $ 321,717 5.83 % $ 20,244,263 $ 312,988 6.19 %
Securities 6,189,513 78,383 5.07 6,125,558 86,974 5.68
Money market investments 11,263 6 0.22 293,229 2,362 3.23
Total interest-earning assets 28,309,423 400,106 5.66 26,663,050 402,324 6.04
Non-interest-earning assets 3,887,498 3,997,616
Total assets $ 32,196,921 $ 30,660,666
Liabilities and Stockholders` Equity:
Interest-bearing deposits:
NOW and money market accounts $ 3,662,920 $ 7,563 0.84 % $ 2,616,675 $ 14,168 2.17 %
Savings accounts 2,599,310 4,181 0.65 2,485,517 5,979 0.96
Certificates of deposit 6,390,655 52,723 3.35 6,970,738 76,574 4.41
Mortgagors` escrow 125,279 35 0.11 122,922 26 0.08
Total interest-bearing deposits 12,778,164 64,502 2.05 12,195,852 96,747 3.18
Borrowed funds 14,041,521 128,689 3.71 12,869,126 144,118 4.49
Total interest-bearing liabilities 26,819,685 193,191 2.92 25,064,978 240,865 3.85
Non-interest-bearing deposits 1,021,458 1,226,621
Other liabilities 193,567 261,631
Total liabilities 28,034,710 26,553,230
Stockholders` equity 4,162,211 4,107,436
Total liabilities and stockholders` equity $ 32,196,921 $ 30,660,666
Net interest income/interest rate spread $ 206,915 2.74 % $ 161,459 2.19 %
Net interest-earning assets/net interest margin $ 1,489,738 2.89 % $ 1,598,072 2.41 %
Ratio of interest-earning assets to
interest-bearing liabilities 1.06 x 1.06 x

Core deposits(1) $ 7,283,688 $ 11,744 0.65 % $ 6,328,813 $ 20,147 1.28 %

(1) Refers to all deposits other than certificates of deposit.

NEW YORK COMMUNITY BANCORP, INC.

NET INTEREST INCOME ANALYSIS

(dollars in thousands)

(unaudited)

For the Three Months Ended
March 31, 2009 December 31, 2008
Average Average
Average Yield/ Average Yield/
Balance Interest Cost Balance Interest Cost
Assets:
Interest-earning assets:
Mortgage and other loans, net $ 22,108,647 $ 321,717 5.83 % $ 21,608,984 $ 320,127 5.92 %
Securities 6,189,513 78,383 5.07 6,547,368 90,921 5.55
Money market investments 11,263 6 0.22 23,687 58 0.97
Total interest-earning assets 28,309,423 400,106 5.66 28,180,039 411,106 5.83
Non-interest-earning assets 3,887,498 3,936,392
Total assets $ 32,196,921 $ 32,116,431
Liabilities and Stockholders` Equity:
Interest-bearing deposits:
NOW and money market accounts $ 3,662,920 $ 7,563 0.84 % $ 3,751,383 $ 13,941 1.48 %
Savings accounts 2,599,310 4,181 0.65 2,638,730 4,466 0.67
Certificates of deposit 6,390,655 52,723 3.35 6,931,005 61,968 3.56
Mortgagors` escrow 125,279 35 0.11 182,571 25 0.05
Total interest-bearing deposits 12,778,164 64,502 2.05 13,503,689 80,400 2.37
Borrowed funds 14,041,521 128,689 3.71 13,163,191 129,099 3.90
Total interest-bearing liabilities 26,819,685 193,191 2.92 26,666,880 209,499 3.13
Non-interest-bearing deposits 1,021,458 1,062,786
Other liabilities 193,567 201,678
Total liabilities 28,034,710 27,931,344
Stockholders` equity 4,162,211 4,185,087
Total liabilities and stockholders` equity $ 32,196,921 $ 32,116,431
Net interest income/interest rate spread $ 206,915 2.74 % $ 201,607 2.70 %
Net interest-earning assets/net interest margin $ 1,489,738 2.89 % $ 1,513,159 2.87 %
Ratio of interest-earning assets to
interest-bearing liabilities 1.06 x 1.06 x

Core deposits(1) $ 7,283,688 $ 11,744 0.65 % $ 7,452,899 $ 18,407 0.98 %

(1) Refers to all deposits other than certificates of deposit.

NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(dollars in thousands, except share and per share data)

(unaudited)

For the Three Months Ended
March 31, December 31, March 31,
2009 2008 2008
GAAP EARNINGS DATA:
Net income $88,689 $102,232 $72,371
Basic earnings per share 0.26 0.30 0.22
Diluted earnings per share 0.26 0.30 0.22
Return on average assets 1.10 % 1.27 % 0.94 %
Return on average tangible assets(1) 1.24 1.43 1.08
Return on average stockholders` equity 8.52 9.77 7.05
Return on average tangible stockholders` equity(1) 22.48 25.52 19.48
Efficiency ratio(2) 36.63 35.09 41.49
Operating expenses to average assets 1.04 1.01 1.03
Interest rate spread 2.74 2.70 2.19
Net interest margin 2.89 2.87 2.41
Shares used for basic EPS computation 343,323,162 342,500,098 322,719,037
Shares used for diluted EPS computation 343,401,009 342,653,466 323,988,429

OPERATING EARNINGS DATA: (3)
Operating earnings $88,689 $92,442 $70,169
Basic operating earnings per share 0.26 0.27 0.22
Diluted operating earnings per share 0.26 0.27 0.22
Return on average assets 1.10 % 1.15 % 0.92 %
Return on average tangible assets(1) 1.24 1.30 1.05
Return on average stockholders` equity 8.52 8.84 6.83
Return on average tangible stockholders` equity(1) 22.48 23.15 18.92
Operating efficiency ratio(2) 36.63 35.94 42.06

CASH EARNINGS DATA: (4)
Cash earnings $99,905 $115,621 $81,737
Basic cash earnings per share 0.29 0.34 0.25
Diluted cash earnings per share 0.29 0.34 0.25
Return on average assets 1.24 % 1.44 % 1.07 %
Return on average tangible assets(1) 1.35 1.56 1.16
Return on average stockholders` equity 9.60 11.05 7.96
Return on average tangible stockholders` equity(1) 24.37 27.90 20.94
Cash efficiency ratio(5) 35.11 32.21 39.95

(1) Please see the
reconciliations of
stockholders` equity and
tangible stockholders`
equity, total assets and
tangible assets, and the
related capital measures
elsewhere in this release.
(2) The Company calculates its
GAAP and operating
efficiency ratios by
dividing the respective
operating expenses by the
respective sums of net
interest income and non
-interest income. Please
see the reconciliations of
GAAP and operating earnings
elsewhere in this release.
(3) Please see the
reconciliations of GAAP and
operating earnings
elsewhere in this release.
(4) Please see the
reconciliations of GAAP and
cash earnings elsewhere in
this release.
(5) The Company calculates its
cash efficiency ratio by
dividing its operating
expenses by the sum of its
net interest income and non
-interest income after
excluding the pertinent non
-cash items from its
operating expenses and non
-interest income.

NEW YORK COMMUNITY BANCORP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(unaudited)

At March 31, At December 31, At March 31,
2009 2008 2008
BALANCE SHEET DATA:
Book value per share $12.30 $12.25 $12.83
Tangible book value per share(1) 4.99 4.92 4.99
Stockholders` equity to total assets 13.07 % 13.00 % 13.45 %
Tangible stockholders` equity to tangible assets(1) 5.75 5.66 5.70
Tangible stockholders` equity to tangible assets excluding 5.99 5.94 5.78
accumulated other comprehensive loss, net of tax(1)
Shares used for book value and tangible book value per share 344,398,362 344,353,808 324,061,691
computations(1)
Total shares issued and outstanding 344,946,651 344,985,111 324,952,866

ASSET QUALITY RATIOS:
Non-performing loans to total loans 0.79 % 0.51 % 0.11 %
Non-performing assets to total assets 0.55 0.35 0.07
Allowance for loan losses to non-performing loans 54.35 83.00 421.66
Allowance for loan losses to total loans 0.43 0.43 0.45
Net charge-offs during the period to average loans outstanding 0.02 0.02 0.00
during the period
Net charge-offs during the period to the average allowance for 5.37 3.65 0.43
loan losses during the period

(1) Please see the
reconciliations of
stockholders` equity and
tangible stockholders`
equity, total assets and
tangible assets, and the
related capital measures
elsewhere in this release.

Footnotes to the Text

(1) Please see the
reconciliations of the
Company`s GAAP and
operating earnings for the
three months ended March
31, 2009 and 2008 elsewhere
in this release.
(2) Please see the
reconciliations of the
Company`s GAAP and cash
earnings for the three
months ended March 31, 2009
and 2008 elsewhere in this
release.
(3) The Company calculates its
GAAP and operating
efficiency ratios by
dividing the respective
operating expenses by the
respective sums of net
interest income and non
-interest income. Please
see the reconciliations of
GAAP and operating earnings
elsewhere in this release.
(4) Please see the
reconciliations of the
Company`s stockholders`
equity and tangible
stockholders` equity, its
total assets and tangible
assets, and the related
capital measures elsewhere
in this release.
(5) The SNL Bank & Thrift Index
data referenced in this
release is size-weighted
and calculated by
consolidating the March 31,
2009 data for 270 U.S.
banks and thrifts into a
single entity on April 28,
2009.

New York Community Bancorp, Inc.
Ilene A. Angarola, 516-683-4420
Executive Vice President &
Director, Investor Relations

Copyright Business Wire 2009