Attached files
| file | filename |
|---|---|
| EX-32.0 - EX-32.0 - NEW YORK COMMUNITY BANCORP INC | d517828dex320.htm |
| EX-31.2 - EX-31.2 - NEW YORK COMMUNITY BANCORP INC | d517828dex312.htm |
| EX-31.1 - EX-31.1 - NEW YORK COMMUNITY BANCORP INC | d517828dex311.htm |
| EX-23.0 - EX-23.0 - NEW YORK COMMUNITY BANCORP INC | d517828dex230.htm |
| 10-K - 10-K - NEW YORK COMMUNITY BANCORP INC | d517828d10k.htm |
EXHIBIT 12.0
STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES
| Years Ended December 31, | ||||||||||||
| (dollars in thousands) | 2017 | 2016 | 2015 | |||||||||
| Including Interest Paid on Deposits: |
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| Earnings (loss) before income taxes |
$ | 668,215 | $ | 777,128 | $ | (132,013 | ) | |||||
| Combined fixed charges: |
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| Interest expense on deposits |
229,782 | 171,023 | 160,149 | |||||||||
| Interest expense on borrowed funds |
222,454 | 216,464 | 349,604 | |||||||||
| Appropriate portion (1/3) of rent expenses |
11,219 | 11,081 | 11,206 | |||||||||
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| Total fixed charges |
$ | 463,455 | $ | 398,568 | $ | 520,959 | ||||||
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| Earnings before income taxes and fixed charges |
$ | 1,131,670 | $ | 1,175,696 | $ | 388,946 | ||||||
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| Ratio of earnings to fixed charges |
2.44 | x | 2.95 | x | 0.75 | x | ||||||
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| Excluding Interest Paid on Deposits: |
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| Earnings (loss) before income taxes |
$ | 668,215 | $ | 777,128 | $ | (132,013 | ) | |||||
| Combined fixed charges: |
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| Interest expense on borrowed funds |
222,454 | 216,464 | 349,604 | |||||||||
| Appropriate portion (1/3) of rent expenses |
11,219 | 11,081 | 11,206 | |||||||||
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| Total fixed charges |
$ | 233,673 | $ | 227,545 | $ | 360,810 | ||||||
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| Earnings before income taxes and fixed charges |
$ | 901,888 | $ | 1,004,673 | $ | 228,797 | ||||||
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| Ratio of earnings to fixed charges |
3.86 | x | 4.42 | x | 0.63 | x | ||||||
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