Earnings Call Excerpt
New York Community Bancorp Inc. (NYB)
Q4 2008 Earnings Call
January 27, 2009 9:30 am ET
Executives
Ilene Angarola – Director of Investor Relations
Joseph Ficalora – Chairman, President and Chief Executive Officer
Thomas Cangemi – Chief Financial Officer
Robert Wann – Chief Operating Officer
John Pinto – Chief Accounting Officer
Analysts
Ken Zerbe – Morgan Stanley
Thomas Alonso – Fox-Pitt Kelton
Andrew Wessel – J.P. Morgan Chase
Mark Fitzgibbon – Sandler O’Neill
Matthew Clark – Keefe, Bruyette & Woods
Bruce Harting – Barclays Capital.
Matt Kelley – Sterne & Agee
David Darst – Ftn Midwest Securities Corp.
Rick Weiss – Janney Montgomery
Gary Gordon – Portales Partners
[Marklovio Pena] – Morningstar Equity
Anthony Davis – Stifel Nicolaus & Company, Inc.
Presentation
Operator
Welcome to the New York Community Bancorp 2008 Earnings Conference Call. Today's conference is being recorded. For opening remarks and introductions, I would like to turn the call over to the Executive Vice President and Director of Investor Relations, Miss Ilene Angarola. Please go ahead.
Ilene Angarola
Thank you. Good morning everyone and thank you for joining the management team of New York Community Bancorp for our quarterly conference call. Today's discussion of our fourth quarter 2008 performance will be lead by our Chairman, President and Chief Executive Officer, Joseph Ficalora, together with our Chief Financial Officer, Thomas Cangemi.
Also joining us on the call today are Robert Wann, our Chief Operating Officer and John Pinto, our Chief Accounting Officer.
Our comments today will feature certain forward-looking statements, which are intended to be covered by the Safe Harbor Provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those we currently anticipate due to a number of factors, many of which are beyond our control.
Among those factors are general economic conditions and trends, either nationally or in our local markets, conditions in the securities 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, changes in legislation, regulation and policies, including those pertaining to banking, securities and taxation, changes in accounting principles, practices or guidelines and changes in the financial or operating performance of our customers' businesses, or changes in real estate values, which could impact the quality of the assets securing our loans.
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