NYCB Stock Cash Flow Statements

New York Community Bancorp Quarterly Cash Flow Statements Chart

Quarterly

Annual

Stock-Based Compensation

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

New York Community Bancorp Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2016-09-30	2016-06-30	2015-03-31	2014-06-30	2012-03-31	2011-03-31	2010-12-31	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2006-09-30	2006-06-30	2006-03-31	2005-09-30	2005-06-30	2005-03-31	2004-09-30	2004-06-30	2004-03-31	2003-09-30

cash flows from operating activities:
net	-70,000,000	-100,000,000
adjustments to reconcile net income to net cash from operating activities:
benefit from credit losses	64,000,000	79,000,000	145,000,000	242,000,000	390,000,000	315,000,000												3,569,000		13,016,000
amortization of intangibles	27,000,000	28,000,000	31,000,000	37,000,000	33,000,000	35,000,000	36,000,000	36,000,000
depreciation	10,000,000	11,000,000	14,000,000	12,000,000	11,000,000	11,000,000	10,000,000	11,000,000	10,000,000	8,000,000	5,000,000	4,000,000	4,000,000	5,000,000	5,000,000	5,000,000	5,643,000	5,357,000	5,389,000	5,815,000	6,260,000	6,407,000	6,700,000	6,821,000	6,950,000
amortization of discounts and premiums	30,000,000	32,000,000	40,000,000	47,000,000	45,000,000	49,000,000	442,000,000	-102,000,000	-83,000,000	-36,000,000	-29,000,000	-6,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000	-4,344,000	1,344,000	6,000	1,503,000	3,230,000	6,384,000	1,287,000	1,208,000	1,195,000	21,223,000	-9,131,000	-14,313,000	-1,670,000
net gain on sales of loans and securitizations	-6,000,000	-13,000,000
bargain purchase gain adjustment
stock-based compensation	14,000,000	15,000,000	16,000,000	17,000,000	15,000,000	6,000,000	14,000,000	13,000,000	11,000,000	9,000,000	7,000,000	7,000,000	8,000,000	7,000,000	7,000,000	8,000,000	7,388,000	8,612,000	4,788,000	8,305,000	8,057,000	8,251,000	8,124,000	7,903,000	7,910,000	11,649,000
deferred tax expense	-54,000,000	-26,000,000	-182,000,000	-76,000,000	-78,000,000	-75,000,000	-155,000,000	12,000,000	-55,000,000	11,000,000	-3,000,000	15,000,000	-7,000,000	-8,000,000	-7,000,000	-32,000,000	-5,279,000	31,279,000	123,975,000	18,404,000	32,498,000	44,465,000	22,293,000	16,551,000	2,811,000	-14,372,000	17,319,000	10,831,000	9,419,000
other operating activities
changes in operating assets and liabilities:
decrease in other miscellaneous assets
increase in other miscellaneous liabilities				75,000,000
change in loans held for sale	-14,000,000	110,000,000	953,000,000	-625,000,000	104,000,000	98,000,000	647,000,000	296,000,000	-973,000,000	62,000,000
net cash from operating activities	355,000,000	-590,000,000	623,000,000	-1,039,000,000	796,000,000	-294,000,000	779,000,000	1,054,000,000	-4,605,000,000	3,035,000,000	395,000,000	232,000,000	214,000,000	185,000,000	215,000,000	61,000,000	-109,614,000	123,614,000	94,074,000	93,173,000	16,253,000	130,696,000	79,985,000	100,538,000	158,437,000	144,518,000	108,135,000	211,361,000	76,341,000	-643,916,000	741,876,000	854,764,000	335,416,000	-203,146,000	128,079,000	59,288,000	-78,183,000			67,590,000	103,839,000	64,326,000	82,315,000	74,415,000	98,690,000	51,901,000	247,424,000	183,115,000	38,783,000	22,708,000	67,345,000
cash flows from investing activities:
proceeds from repayment of securities available for sale	581,000,000	375,000,000	574,000,000	496,000,000	402,000,000	627,000,000	148,000,000	106,000,000	484,000,000	664,000,000	161,000,000	174,000,000	234,000,000	163,000,000	329,000,000	468,000,000	435,658,000	495,342,000	466,894,000	635,119,000	531,645,000	428,098,000	1,072,099,000	191,095,000	316,103,000	767,812,000	51,000	49,073,000	886,000	-147,408,000	154,624,000	51,551,000	58,652,000	420,315,000	43,291,000	97,084,000	52,966,000	6,153,000			94,812,000
proceeds from sales of securities available for sale including loans that have been securitized	307,000,000	271,000,000
purchase of securities available for sale	-2,657,000,000	-2,669,000,000	-833,000,000	-200,000,000	-1,595,000,000	-812,000,000	-700,000,000	-1,235,000,000	-668,000,000	-443,000,000	-52,000,000	-1,402,000,000	-519,000,000	-269,000,000	-229,000,000	-315,000,000	-266,406,000	-985,594,000	-1,041,151,000	-738,052,000	-250,861,000	-483,789,000	-1,190,999,000	-257,549,000	-655,425,000	-3,016,368,000	-159,336,000	22,500,000	-135,000,000	140,500,000	-239,500,000									-5,250,000				-26,000	-4,129,000	-1,258,000	-1,180,000			-2,830,660,000	-1,649,206,000
redemption of federal home loan bank stock	45,000,000	86,000,000	219,000,000	211,000,000	1,000,000	5,000,000	432,000,000	102,000,000	223,000,000	744,000,000	324,000,000	136,000,000	68,000,000	107,000,000	25,000,000	38,000,000	13,399,000	15,601,000	28,478,000	17,340,000	54,159,000	72,567,000	28,748,000	26,706,000	58,643,000	-343,403,000
purchases of federal home loan bank and federal reserve bank stock	-1,000,000	-1,000,000	-1,000,000	-10,000,000	-16,000,000	-163,000,000	-714,000,000	-76,000,000	-3,000,000	-833,000,000
proceeds from bank-owned life insurance			3,000,000	2,000,000	10,000,000	6,000,000	3,000,000	3,000,000	15,000,000	9,000,000						3,000,000	-182,000	7,182,000			0	1,772,000		0	2,664,000
net proceeds from sales of msr's						61,000,000	0	0
other changes in loans	2,316,000,000	1,525,000,000			350,000,000	2,151,000,000	-1,254,000,000	-644,000,000	-1,132,000,000	-1,301,000,000	-1,935,000,000	-434,000,000	-1,690,000,000	-960,000,000	-2,028,000,000	-49,000,000	-255,981,000	-225,019,000	-15,784,000	-516,558,000	964,000	-380,427,000	25,528,000	-399,132,000	-391,409,000	633,093,000	-758,974,000
purchases of premises and equipment	-7,000,000	-12,000,000	-3,000,000	27,000,000	-22,000,000	-38,000,000								-1,000,000				-317,000																										-1,499,000
other investing activities
net cash from investing activities	589,000,000	-425,000,000	4,454,000,000	9,827,000,000	-788,000,000	1,960,000,000	-1,734,000,000	-1,733,000,000	-965,000,000	25,105,000,000	-1,581,000,000	-1,672,000,000	-2,002,000,000	-1,068,000,000	-2,005,000,000	45,000,000	-120,821,000	-681,179,000	-649,673,000	-602,164,000	330,774,000	-104,296,000	-149,339,000	-330,067,000	-367,553,000	-5,149,319,000	-277,909,000	988,841,000	417,921,000	-478,698,000	-1,257,870,000	-195,522,000	-57,676,000	467,048,000	-75,916,000	-430,880,000	40,626,000			-134,273,000	305,255,000			-930,310,000	119,595,000	-499,418,000	-705,189,000			-2,925,937,000	-479,774,000
cash flows from financing activities:
net decrease in deposits	-4,165,000,000	-1,967,000,000			4,171,000,000	-6,672,000,000																																												-301,979,000	-181,836,000
net increase in short-term borrowed funds					2,411,000,000	2,959,000,000				2,400,000,000									-425,000,000	125,000,000	100,000,000	1,350,000,000								-118,300,000	318,000,000		200,000,000
proceeds from long-term borrowed funds			15,986,000,000	1,450,000,000	0	10,800,000,000	16,175,000,000	3,175,000,000			2,549,000,000	3,975,000,000	1,955,000,000	1,000,000,000	1,422,000,000	26,000,000	299,000,000	325,000,000	2,300,000,000	1,500,000,000	975,000,000	2,150,000,000	1,780,992,000	755,000,000	749,820,000		0
repayments of long-term borrowed funds			-18,587,000,000	-3,700,000,000	-249,000,000	-8,301,000,000	-9,649,000,000	-6,351,000,000	-999,000,000	-2,375,000,000	-4,150,000,000	-6,300,000,000	-2,435,000,000	-1,075,000,000	-1,244,000,000	-51,000,000	-599,000,000	-650,000,000	-1,475,000,000	-950,000,000	-1,000,000,000	-3,125,000,000	-1,237,000,000	-931,000,000	-1,700,000,000
net receipt (disbursement) of payments of loans serviced for others					-288,000,000	10,000,000
cash dividends paid on common stock	-4,000,000	-4,000,000	-5,000,000	-3,000,000	-37,000,000	-8,000,000	-122,000,000	-125,000,000	-231,000,000	-8,000,000	-80,000,000	-79,000,000	-79,000,000	-79,000,000	-79,000,000	-79,000,000	-78,948,000	-79,052,000	-78,756,000	-78,759,000	-78,760,000	-79,332,000	-79,353,000	-79,350,000	-79,340,000	-84,980,000	-82,734,000	-54,496,000	-110,851,000	-111,494,000	-109,554,000	-109,154,000	-108,754,000	-108,157,000	-86,089,000	-86,034,000	-86,079,000			-80,927,000				-66,952,000	-65,299,000	-65,224,000	-65,180,000
cash dividends paid on preferred stock	-8,000,000	-8,000,000	-8,000,000	-9,000,000	17,000,000	-35,000,000	-8,000,000	-9,000,000	100,000,000	-116,000,000	-8,000,000	-9,000,000	-8,000,000	-8,000,000	-8,000,000	-9,000,000	-7,793,000	-8,207,000	-8,207,000	-8,207,000	-8,207,000	-8,207,000	-8,207,000	-8,207,000	-8,207,000
re-issuance of treasury stock
proceeds from common stock and warrants issued				261,000,000	329,000,000	413,000,000
proceeds from preferred stock issued			0	-257,000,000	-337,000,000	595,000,000
payments relating to treasury shares received for restricted stock award tax payments	-1,000,000	-4,000,000	-1,000,000	-1,000,000	-1,000,000	-8,000,000	-1,000,000	0			-5,000,000	0	-1,000,000	-11,000,000	0	-1,000,000	515,000	-15,515,000	-20,000	-289,000	-288,000	-8,235,000	-345,000	-39,000	-7,663,000	6,060,000	-206,000
net cash from financing activities	-5,420,000,000	-1,897,000,000	-12,669,000,000	-4,693,000,000	6,020,000,000	-247,000,000	5,435,000,000	-8,212,000,000	-839,000,000	-7,793,000,000	1,568,000,000	-137,000,000	2,165,000,000	1,572,000,000	1,479,000,000	330,000,000	-406,549,000	1,332,549,000			-276,706,000	565,936,000	-304,263,000	467,805,000	-275,820,000	3,717,479,000	267,267,000	-1,081,995,000	-475,854,000	792,967,000	870,041,000	-235,055,000	-585,289,000	-386,870,000	-61,089,000	367,075,000	1,622,000	977,383,000	333,821,000	283,191,000		140,297,000	-812,628,000	816,070,000	-250,552,000	486,803,000	466,783,000		-2,244,800,000	2,784,445,000	434,250,000
net increase in cash, cash equivalents, and restricted cash	-4,476,000,000	-2,912,000,000	-7,592,000,000	4,095,000,000	6,028,000,000	1,419,000,000	4,480,000,000	-8,891,000,000	-6,409,000,000	20,347,000,000					-311,000,000	436,000,000	-636,984,000	774,984,000	489,290,000	54,114,000	70,321,000	592,336,000
cash, cash equivalents, and restricted cash at beginning of period	0	15,559,000,000		0												0	69,000	1,947,931,000		0	0	741,870,000	0	0	1,474,955,000
cash, cash equivalents, and restricted cash at end of period	-4,476,000,000	12,647,000,000		4,095,000,000												436,000,000	-636,915,000	2,722,915,000		54,114,000	70,321,000	1,334,206,000	-373,617,000	238,276,000	990,019,000
supplemental information:
cash paid for interest	743,000,000	817,000,000	971,000,000	1,065,000,000	880,000,000	777,000,000			554,000,000	489,000,000	258,000,000	170,000,000	119,000,000	110,000,000	91,000,000	105,000,000	92,811,000	113,189,000	114,149,000	149,051,000	167,001,000	202,459,000	241,487,000	192,650,000	187,890,000	362,170,000	97,968,000	46,230,000	139,220,000	110,507,000	161,951,000	171,491,000	186,864,000	203,198,000	174,136,000	189,856,000	190,489,000
cash paid for income taxes	5,000,000	12,000,000	2,000,000							13,000,000	4,000,000	5,000,000			0	135,000,000	321,995,000	14,005,000	100,414,000	7,073,000	386,000	10,000,000	0	69,372,000	5,908,000	-91,069,000	9,983,000	114,511,000	10,698,000				73,972,000	18,819,000	8,532,000	96,329,000	66,053,000
non-cash investing and financing activities:
transfers to repossessed assets from loans	-1,000,000	5,000,000													0				458,000	0	0	120,000	0	187,000	2,840,000
securitization of loans to mortgage-backed securities available for sale	232,000,000	271,000,000
transfer of loans from held for investment to held for sale	-18,000,000	273,000,000													0	4,000,000	255,000	47,745,000				3,124,000	20,699,000	41,082,000	29,336,000	-1,144,030,000	313,572,000	472,792,000	553,315,000
shares issued for restricted stock awards	9,000,000	11,000,000									6,000,000	0	1,000,000	26,000,000	0	0	-51,000	28,051,000	0	0	0	22,198,000	222,000	1,221,000	15,058,000	-106,000	276,000
increase in other miscellaneous assets		-85,000,000
decrease in other miscellaneous liabilities		-641,000,000
net decrease (increase) in short-term borrowed funds		-250,000,000
net receipt of payments of loans serviced for others		336,000,000						-415,000,000	556,000,000	-189,000,000
net income			-188,000,000	-280,000,000	-323,000,000	-327,000,000	-2,705,000,000	207,000,000	413,000,000	2,006,000,000	172,000,000	152,000,000	171,000,000	155,000,000	150,000,000	149,000,000	151,404,000	145,596,000	189,664,000	115,770,000	105,347,000	100,328,000	99,046,000	97,246,000	97,577,000	40,749,000	125,299,000	137,110,000	119,259,000	115,689,000	118,253,000	123,176,000	145,001,000	124,149,000	98,573,000	56,448,000	88,689,000			72,371,000	110,909,000	62,477,000	50,612,000	66,375,000	77,615,000	86,472,000	91,082,000	98,832,000	42,755,000	130,023,000	72,186,000
net income on securities
net gain on msr sale
net gain on sales of loans			-5,000,000	-5,000,000	-18,000,000	-20,000,000									0	0							12,000	21,000	10,000	49,698,000
net gain on sales of fixed assets											0	0
long-term asset impairment
gain on business acquisition			0	0	0	121,000,000	11,000,000	0	-141,000,000	-2,001,000,000
goodwill impairment
decrease (increase) in other assets								-64,000,000	-183,000,000	112,000,000								7,891,000														16,703,000	26,252,000												17,688,000	-35,331,000	118,120,000
decrease in other liabilities																	3,007,000	-28,007,000				-20,813,000													-22,445,000	30,299,000	-165,410,000			-16,134,000
purchases of securities held for trading							0	0	0	-10,000,000	0	-40,000,000	0	-35,000,000	0	-50,000,000	0	-60,000,000	0				-20,000,000	0	-22,500,000
proceeds from sales of securities held for trading							0	0	0	10,000,000	0	40,000,000	0	35,000,000	0	50,000,000	-94,000	60,094,000	0				20,031,000	0	22,535,000
proceeds from sales of loans originated for sale																										-3,202,446,000	1,309,904,000	523,205,000	1,404,595,000
purchases of loans											-5,000,000	-13,000,000	-83,000,000	-61,000,000	-28,000,000	-67,000,000	-45,277,000	-20,723,000	-44,167,000	-3,685,000	-21,466,000	-26,300,000
cash acquired in business acquisition							-142,000,000	0	0	25,043,000,000
net increase in deposits			-7,147,000,000				-1,097,000,000	-5,832,000,000	3,687,000,000	-7,496,000,000	1,016,000,000	461,000,000	3,290,000,000	2,895,000,000	438,000,000	444,000,000	-20,323,000	1,760,323,000	731,872,000	-24,640,000	-243,185,000	315,634,000	-760,350,000	731,401,000	836,695,000	949,426,000	256,607,000	-146,419,000	602,653,000	1,024,814,000	666,663,000	389,095,000	-418,339,000	24,168,000	113,820,000	178,144,000	-199,711,000	831,997,000	-164,316,000	361,583,000				198,283,000	-402,287,000	949,278,000	186,171,000
treasury stock repurchased										-9,000,000	0	0							0	0	-21,266,000	-28,924,000	0	0	-67,125,000
proceeds from common stock issued
cash, cash equivalents, and restricted cash at beginning of year						11,609,000,000	0	0	0	2,082,000,000
cash, cash equivalents, and restricted cash at end of year						13,028,000,000	4,480,000,000	-8,891,000,000	-6,409,000,000	22,429,000,000
non-cash reclassification of lhfs to securitized hfs loans
transfer of loans from held for sale to held for investment															0	0													153,578,000
mortgage servicing rights resulting from sale or securitization of loans
business combinations:
fair value of tangible assets acquired
intangible assets
mortgage servicing rights
liabilities assumed
common stock issued in business combination
issuance of fdic equity appreciation instrument
proceeds from sales of securities available for sale				68,000,000	78,000,000	123,000,000		0	108,000,000	1,233,000,000									0	41,797,000	72,103,000	369,972,000	275,000	90,497,000	272,849,000	14,126,000	151,737,000															292,000	1,170,030,000	66,208,000
net proceeds from sales of mortgage servicing rights				1,000,000
net change in loans held for investment, including loan sales
net decrease in short-term borrowed funds								1,345,000,000				1,815,000,000	-550,000,000	-1,150,000,000													93,600,000	-860,400,000	-1,161,000,000			-500,000,000
net disbursement of payments of loans serviced for others
net (gain) loss on securities								0			0	1,000,000
decrease (increase) in other miscellaneous assets
increase in other assets						-31,000,000									30,000,000	-59,000,000			-246,771,000	-65,841,000	-64,065,000	-34,397,000		-47,548,000	15,797,000									-22,767,000	44,556,000	-70,020,000	-15,602,000			-2,107,000										-114,621,000	-26,169,000
increase in other liabilities						-476,000,000		611,000,000	-3,666,000,000	2,697,000,000	-151,000,000	33,000,000	-11,000,000	29,000,000	27,000,000				6,117,000	11,715,000				18,563,000	32,818,000	-41,712,000	9,598,000	-50,812,000	29,606,000	-25,891,000	19,818,000	-29,408,000	-71,353,000	98,575,000							144,000			-889,000	-10,676,000	-15,478,000	24,588,000	2,095,000	-50,739,000	52,531,000
benefit from loan losses							552,000,000	62,000,000	49,000,000	170,000,000													4,781,000								15,000,000	26,000,000	28,903,000	20,000,000	15,000,000	12,000,000	6,000,000	400,000
proceeds from sales of loans															0	4,000,000	71,000	32,929,000	4,000	0	0	3,124,000	20,687,000	41,061,000	29,326,000	-1,159,036,000	317,036,000	478,499,000	559,261,000														14,798,000	18,639,000
net (gain) loss on sales of loans								-28,000,000	-25,000,000	-20,000,000								-744,000
(purchases) dispositions of premises and equipment								11,000,000	-42,000,000	-11,000,000						-1,000,000
amortization of core deposit intangible										17,000,000																																									1,500,000
securitization of residential mortgage loans to mortgage-backed securities available for sale											5,000,000	13,000,000	83,000,000	61,000,000	28,000,000	67,000,000	45,277,000	20,723,000	11,328,000	0	15,571,000	26,300,000
msrs resulting from sale or securitization of loans
business combination:
benefit from (recovery of) loan losses																													7,000
decrease in other assets												23,000,000														-323,451,000	55,923,000	284,855,000	12,625,000		60,249,000											17,154,000	-9,311,000	17,458,000
origination of loans held for sale																											-1,403,200,000	-684,013,000	-1,492,222,000	1,106,865,000	-2,487,034,000	-1,500,836,000	-3,843,019,000	-1,349,160,000	-27,918,000	-32,958,000	-17,661,000			-11,409,000
purchases of federal home loan bank stock												-131,000,000	-24,000,000	-52,000,000	-75,000,000	-36,000,000	-420,000	-580,000	-45,000,000	-46,125,000	-58,987,000	-88,875,000	-52,771,000	-20,857,000	-2,250,000
proceeds from (purchases of) bank-owned life insurance												0	0	5,000,000					4,101,000
dispositions (purchases) of premises and equipment												-2,000,000							-3,048,000
net increase in cash, cash equivalents, due from banks and restricted cash												-1,577,000,000	377,000,000	689,000,000
cash, cash equivalents, due from banks, and restricted cash at beginning of year												0	0	2,211,000,000
cash, cash equivalents, due from banks, and restricted cash at end of year												-1,577,000,000	377,000,000	2,900,000,000
(recovery of) benefit from loan losses													9,000,000	-2,000,000											-1,222,000
gain on trading activity																		-94,000	0				-31,000
operating lease liabilities arising from obtaining right-of-use assets as of january 1, 2019																							0	0	324,360,000
disposition of premises and equipment
net gain on securities																		483,000					-275,000
held for sale originations																0	-234,000	-51,766,000		-15,796,000
net gain on sales of securities																				284,000	-887,000	-534,000			-5,409,000	427,000	-237,000	35,000	-211,000
net income on sales of loans																				-2,000	0	4,000
net cash from (used in ) financing activities
dispositions of premises and equipment																							0	0	1,245,000
benefit from (recovery of) credit losses																						20,601,000
purchase of premises and equipment																						-438,000				59,818,000	-8,726,000	-50,257,000	-10,682,000	-23,045,000	-5,802,000	-19,172,000	-39,307,000	-2,284,000	-1,496,000	-2,734,000	-657,000			-2,450,000					451,000	-934,000	-1,101,000
purchases of (proceeds from) bank-owned life insurance
dispositions (purchase) of premises and equipment																							-704,000	-1,888,000	1,946,000
net decrease in cash, cash equivalents, and restricted cash																							-373,617,000	238,276,000	-484,936,000
gain on trading securities activity																									-35,000
amortization of core deposit intangibles																											542,000	-132,000	1,584,000	-754,000	5,159,000	7,385,000	7,672,000	7,892,000	5,412,000	5,476,000	5,687,000	5,757,000	5,821,000	6,032,000	5,855,000	5,049,000	4,467,000	3,306,000	2,930,000	2,930,000	2,943,000	2,860,000	2,860,000	2,860,000
proceeds from repayment of securities held to maturity																											179,823,000	2,037,399,000	139,544,000	26,401,000	250,495,000	224,978,000	603,688,000	332,077,000	139,079,000	970,221,000	929,929,000	152,851,000			14,285,000
proceeds from sales of securities held to maturity
purchase of securities held to maturity																											0			589,033,000	-739,371,000	-613,191,000	-741,724,000	-565,524,000	0	-986,301,000	-822,245,000			-1,100,611,000										-962,561,000
proceeds from issuance of long-term borrowed funds
net proceeds from issuance of preferred stock
net increase in cash and cash equivalents																										-1,287,322,000	97,493,000	118,207,000	18,408,000	-329,647,000	354,047,000	424,187,000					-35,935,000			216,508,000	199,588,000	27,176,000	50,653,000	-39,825,000	-32,267,000	39,286,000	9,018,000			-118,784,000	21,821,000
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
securities transferred from held to maturity to available for sale
benefit from (recoveries of) loan losses
depreciation and amortization																											8,278,000	8,680,000	7,645,000	7,647,000	6,005,000	5,891,000	5,430,000	4,935,000	5,011,000	4,992,000	5,024,000	4,836,000	4,918,000	5,040,000	4,622,000	4,121,000	3,842,000	3,420,000	3,344,000	3,352,000	3,379,000	3,318,000	3,303,000	3,274,000	1,714,000
changes in assets and liabilities:
purchase of federal home loan bank stock
tax effect of stock plans																													996,000	2,373,000	-354,000	1,639,000	816,000	657,000	2,473,000	-566,000	1,887,000	1,375,000	1,993,000	277,000
cash and cash equivalents at beginning of period																											0	-26,476,000	564,150,000	-1,357,187,000	2,001,737,000	1,927,542,000		2,670,857,000	0	0	203,216,000	0	0	335,743,000	0	0	0	231,803,000	0	0	188,850,000	0	0	287,071,000	0
cash and cash equivalents at end of period																											97,493,000	91,731,000	582,558,000	-1,686,834,000	2,355,784,000	2,351,729,000		2,547,889,000	-8,926,000	-4,517,000	167,281,000	-3,695,000	-272,126,000	552,251,000	199,588,000	27,176,000	50,653,000	191,978,000	-32,267,000	39,286,000	197,868,000	-63,298,000	82,694,000	168,287,000	21,821,000
transfers to other real estate owned from loans																											3,458,000	-1,865,000	17,098,000	60,312,000	33,263,000	46,218,000	30,832,000	1,634,000
gain on sales of loans																												-13,999,000	-21,461,000
stock plan-related compensation																												9,202,000	7,165,000	8,833,000	5,109,000	3,612,000	3,880,000	4,057,000	3,219,000	3,194,000	3,485,000	3,557,000	3,749,000	3,138,000	2,871,000
net redemption of federal home loan bank stock																												26,751,000	50,385,000			23,283,000
gain on visa shares sold
proceeds from sale of securities available for sale																													135,211,000	-102,909,000	240,218,000	103,956,000	22,438,000	660,000				0			1,356,364,000
proceeds from sale of visa shares
net increase in loans																													-321,684,000	-968,978,000	-904,364,000	-193,966,000			-272,825,000	-486,811,000	-103,622,000			-194,952,000				-1,132,143,000	-204,044,000	-1,343,892,000	-1,144,192,000			-582,538,000	-171,818,000
net increase in long-term borrowed funds																													198,915,000					-333,340,000
treasury stock purchases																													-6,567,000	-3,740,000	-2,425,000	-2,381,000	-1,186,000	-1,706,000	-27,000	-638,000	-624,000			-12,000				-2,103,000	-34,000	-25,000	-1,032,000
net cash received from stock option exercises																																2,300,000	1,236,000	2,573,000	0	0	25,000	2,816,000	8,217,000	3,960,000	14,505,000	820,000	-3,296,000	14,242,000	5,148,000	3,046,000	2,047,000
(recovery of) provisions for loan losses
gain on sale of loans
proceeds from sale of loans originated for sale																														-1,729,140,000	3,030,905,000	2,211,232,000	4,052,914,000	911,038,000	33,701,000	27,586,000	15,446,000	12,079,000	15,437,000	8,043,000	12,519,000
proceeds from sale of securities held to maturity																																227,039,000
net purchase of federal home loan bank stock
net decrease in long-term borrowed funds																														-747,000	-2,289,000	-16,554,000
amortization of premiums																															-216,000	278,000																			3,409,000
net gain on sale of securities																															-718,000
net gain on sale of loans																															-40,014,000	-15,902,000	-37,779,000	-7,558,000	-251,000	-177,000	-108,000			-64,000						-2,892,000	-144,000			-334,000	-443,000
decrease in deferred tax asset																															9,360,000	16,625,000								2,481,000
net (purchase) redemption of federal home loan bank stock																															-14,170,000
cash paid for (received from) income taxes																															39,746,000
net (gain) loss on sale of securities																																-9,992,000
loss on otti of securities recognized in earnings																																	0	723,000	13,275,000
net cash acquired in business combination
proceeds from issuance of common stock																																	0	28,935,000				0				0
cash (received from) paid for income taxes																																-10,134,000
amortization of premiums (accretion of discounts)																																	424,000	1,881,000
net change in net deferred loan origination costs and fees																																	885,000	1,846,000	-693,000	-610,000	-322,000	-326,000	-194,000	4,827,000				-1,265,000
gain on business acquisitions
decrease (increase) in deferred tax asset																																	30,747,000	1,235,000
net decrease (increase) in loans																																	37,406,000	84,698,000							123,080,000
purchase of loans																																								-45,500,000
proceeds from sale of loans																																						0	0	25,035,000	0				32,581,000	186,586,000	16,117,000	20,840,000	50,530,000	165,359,000	94,969,000
net cash acquired in business combinations																																		140,895,000
cash from exercise of fdic equity appreciation instrument
net cash received from warrant exercises
exchange of debt for common stock
mortgage loans securitized and transferred to mortgage-related securities available for sale																																									0
net income on sale of securities																																		8,000
net redemption (purchase) of fhlb stock																																		56,211,000
net cash acquired in business acquisition
net decrease in cash and cash equivalents																																		-122,968,000	-8,926,000
note: excluding the cdi and the fdic loss share receivable, the fair values of non-cash assets acquired and of liabilities assumed in the acquisition of desert hills bank on march 26, 2010 were 254.1 million and 442.3 million, respectively.
accretion of discounts																																			-594,000	-3,411,000	-532,000										-8,964,000
increase in deferred tax asset																																			-38,767,000	-13,259,000	-2,879,000
net purchase of fhlb-ny stock																																															-42,935,000
net increase in short-term borrowings																																			-145,900,000	352,600,000	159,900,000	298,900,000
net increase in long-term borrowings																																			-10,030,000	-104,000	49,897,000
mortgage loans securitized and transferred to mortgage-related securities held to maturity																																						0	0	71,307,000
transfer to other real estate owned from loans																																			13,811,000	0	561,000				577,000				852,000	43,000	124,000	253,000	8,795,000	205,000
net (purchase) redemption of fhlb-ny stock																																				-22,339,000	-15,745,000
non-cash investing activities:
net increase in mortgagors’ escrow																																					76,327,000	27,184,000	-47,504,000	73,740,000				75,894,000	26,304,000	-47,855,000	68,151,000	21,497,000	-25,853,000	58,549,000	9,959,000
gain on sale of bank-owned property
loss on other-than-temporary impairment of securities																																						44,160,000			0
increase in official checks outstanding																																						909,000	10,994,000	-1,633,000	-7,699,000			-22,478,000	9,264,000	7,053,000	6,899,000			-33,311,000	-7,915,000
net proceeds from sale of bank-owned property
net cash acquired in acquisitions
net decrease in long-term borrowings																																								-75,430,000
cash in lieu of fractional shares																																												-2,000
cash paid for:
interest																																						215,964,000	277,203,000	246,260,000	224,371,000	210,197,000			165,837,000	166,209,000	142,500,000	138,060,000	104,394,000	104,625,000	56,441,000
income taxes																																						-7,508,000	21,935,000	139,000	1,076,000	-5,735,000			15,543,000	33,679,000	-80,722,000	-152,000	126,049,000	-29,930,000	39,270,000
(accretion of discounts) amortization of premiums																																								-2,995,000
net redemption of fhlb-ny stock																																							-59,000	2,880,000
proceeds from repayments of securities held to maturity																																								1,074,790,000		53,114,000	65,608,000	73,297,000
proceeds from repayments of securities available for sale																																								111,785,000		85,424,000	135,363,000	83,000,000
net decrease in short-term borrowings
decrease in deferred income taxes																																									13,006,000	8,256,000			11,291,000					1,383,000
net redemption (purchase) of federal home loan bank of new york stock																																									9,752,000
adjustments to intangible assets																																												249,000
net cash acquired (used) in acquisitions																																									116,067,000
net increase in borrowed funds																																										25,202,000	-571,816,000	596,689,000	185,616,000	-352,417,000	276,626,000	-772,144,000	-1,949,030,000	2,732,914,000
premium amortization (accretion of discounts)
net decrease in mortgagors’ escrow
accretion of discounts, net of premium amortization																																												-1,363,000	-1,347,000
net securities gains																																												-2,823,000			-48,000			-9,944,000	-5,478,000
net gains on sales of loans																																												-276,000
gain on sales of bank-owned properties
allocated portion of esop																																										1,556,000	1,569,000	1,615,000	1,774,000	1,792,000	1,844,000	2,132,000	2,041,000	3,290,000
originations of loans held for sale
net purchase of federal home loan bank of new york stock																																												-38,035,000
proceeds from sales of bank-owned properties
net cash from acquisition
cash paid for
gain on sale of bank-owned properties																																													0	0	-6,110,000
loss on mark-to-market of interest rate swaps																																												6,071,000
tax benefit effect on stock plans
decrease (increase) in deferred income taxes																																												5,264,000
net decrease in net deferred loan origination costs/fees																																													479,000
net securities (gains) losses																																													-83,000
net gains on sale of loans
tax benefits and other stock plan activity																																													347,000
decrease (increase) in goodwill																																													0	0	13,758,000
proceeds from sale of bank-owned properties																																													0	0	7,847,000
proceeds from shares issued in secondary offering																																																0	0	399,532,000
cash in lieu of fractional shares related to stock split																																																		-594,000
transfer of securities from available for sale to held to maturity, at fair value																																																0
total adjustments																																														-34,571,000	156,342,000			-107,315,000	-4,841,000
proceeds from repayments and redemptions of securities held to maturity																																														150,803,000	307,319,000			351,772,000
proceeds from repayments, redemptions, and sales of securities available for sale																																														518,441,000	152,936,000	757,794,000	5,803,185,000	936,845,000
net purchase of federal home loan bank of newyork stock
net decrease (increase) in net deferred loan origination costs/fees																																															295,000
tax benefits and changes to stock plans																																															1,149,000
increase in deferred income taxes																																															-1,367,000
net decrease (increase) in net deferred loan origination fees																																																-237,000
net securities losses																																																-412,000
changes to stock plans, including related tax benefits																																																840,000	2,216,000	34,458,000
increase in goodwill																																																		-24,399,000
net purchase of fhlb stock
purchase or acquisition of premises and equipment																																																		-4,154,000	-2,971,000
cash dividends
net cash (used) provided by financing activities
proceeds from repayments and redemptions of securities held to maturity and fhlb stock
purchases of securities held to maturity and fhlb stock
purchases of securities available for sale
cash dividends and stock options exercised																																																		-122,217,000	-36,423,000
treasury stock purchased, net of stock options exercised
amortization of discounts/premiums																																																		-21,273,000
accretion of net deferred loan origination fees																																																		-1,229,000
stock options exercised, net of treasury stock purchased																																																		18,240,000
net increase in deferred loan origination fees
tax benefit effect of stock plans																																																			2,989,000
allocation/earned portion of esop																																																			2,554,000
goodwill recognized in the peter b. cannell & co., inc. acquisition
increase in deferred income taxes, net of securities market value adjustments
proceeds from redemption and prepayments of securities and mortgage-backed securities held to maturity																																																			91,386,000
proceeds from redemption, prepayments, and sales of securities available for sale																																																			2,055,002,000
purchase of securities and mortgage-backed securities held to maturity
net increase in borrowings																																																			677,511,000
purchase of treasury stock, net of stock options exercised																																																			-34,961,000
proceeds from issuance of common stock in secondary offering
treasury stock issued in secondary offering
common stock acquired by esop
cash in lieu of fractional shares in connection with stock split																																																			0
securitization of mortgage loans to mortgage-backed securities
transfer of securities from available for sale to held to maturity
reclassification from other loans to securities available for sale
transfers to foreclosed real estate from loans
amortization of net deferred loan origination fees
goodwill recognized in the peter b. cannell & co., inc. acquisition and related adjustment

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