New York Community Bancorp Inc. announced unaudited consolidated earnings results for the fourth quarter and year ended December 31, 2012. For the quarter, the company reported total interest income of $446,772,000 against $464,842,000 a year ago. Net interest income was $290,001,000 against $300,258,000 a year ago. Net interest income after provisions for loan losses was $288,281,000 against $267,546,000 a year ago. Income before income taxes was $189,226,000 against $180,917,000 for the same period a year ago. Net Income was $122,843,000 or $0.28 per basic and diluted share against net Income of $117,652,000 or $0.27 per basic and diluted share a year ago. Cash earnings were $133,009,000 or $0.30 per diluted share against cash earnings of $127,211,000 or $0.29 per diluted share a year ago. Adjusted net income was $125,669,000 against $120,921,000 for the same period a year ago. Return on average assets was 1.14% against 1.13% a year ago. Return on average tangible assets was $1.24 against $1.23 a year ago. Return on average stockholder's equity was $8.94 against $8.50 a year ago. Return on average tangible stockholder's equity was $16.61 against $15.89 a year ago.

For the year, the company reported total interest income of $1,791,101,000 against $1,866,664,000 a year ago. Net interest income was $1,160,021,000 against $1,200,421,000 a year ago. Net interest income after provisions for loan losses was $1,097,033,000 against $1,100,001,000 a year ago. Income before income taxes was $780,909,000 against $734,577,000 for the same period a year ago. Net Income was $501,106,000 or $1.13 per basic and diluted share against net Income of $480,037,000 or $1.09 per basic and diluted share a year ago. Cash earnings were $542,022,000 or $1.24 per diluted share against cash earnings of $535,288,000 or $1.23 per diluted share a year ago. Adjusted net income was $512,892,000 against $495,677,000 for the same period a year ago. Return on average assets was 1.18% against 1.17% a year ago. Return on average tangible assets was $1.28 against $1.28 a year ago. Return on average stockholder's equity was $9.06 against $8.73 a year ago. Return on average tangible stockholder's equity was $16.80 against $16.52 a year ago. Book value per share was $12.88 as on December 31, 2012 compared to book value per share of $12.73 as on December 31, 2011. Tangible book value per share was $7.26 as on December 31, 2012 compared to $7.04 as on December 31, 2011.

For the quarter, the company reported net charge-offs declined $19.0 million year-over-year and $5.8 million linked-quarter, to $3.1 million, representing 0.01% of average loans in fourth quarter of 2012.