NEW YORK COMMUNITY BANCORP INC (NYCB) [Rocket]

In millions, except per share items	Dec-31-22	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15
	8-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	1,848.0	1,525.0	1,542.0	1,553.0	1,467.9	1,417.2	1,472.0	1,441.5
Interest income on investments					221.7	165.0	202.8	250.1
	2,092.0	1,689.0	1,708.0	1,805.0	1,689.7	1,582.2	1,674.9	1,691.6
Interest on borrowings	313.0
Total interest expense	696.0	18.0	18.0	18.0	658.7	452.2	387.5	1,283.5
Net interest income	1,396.0	1,707.0	1,726.0	1,823.0	1,031.0	1,130.0	1,287.4	408.1
Provision for loan losses	133.0
Net interest income after provision for loan losses	1,263.0	1,707.0	1,726.0	1,823.0	1,031.0	1,130.0	1,287.4	408.1
Gain on sale of investments, net							15.8	26.1
Other non-interest income	247.0	61.0	61.0	84.0	91.6	216.9	129.8	184.6
Total non-interest income	247.0	61.0	61.0	84.0	91.6	216.9	145.6	210.8
Non-interest expenses	684.0	541.0	511.0	511.0	546.6	641.4	651.6	765.9
Pre-tax income before non-recurring items	901.0	806.0	588.0	523.0	557.7	668.2	777.1	-132.0
Non-recurring items	75.0
Pre-tax income	826.0	806.0	588.0	523.0	557.7	668.2	777.1	-132.0
Income taxes	176.0	210.0	77.0	128.0	135.3	202.0	281.7	-84.9
Tax rate	21.3%	26.1%	13.1%	24.5%	24.3%	30.2%	36.3%	64.3%
Net income	617.0	596.0	511.0	395.0	389.6	441.6	495.4	-47.2
Net margin	40.9%	2591.3%	2322.7%	1362.1%	1308.9%	1390.4%	34.6%	-7.2%

Basic EPS	$1.26	$1.28	$1.10	$0.85	$0.80	$0.91	$1.02	($0.11)
Diluted EPS	$1.26	$1.28	$1.10	$0.85	$0.80	$0.91	$1.02	($0.11)

Shares outstanding (basic)	489.7	463.9	462.6	465.4	487.3	487.1	485.2	449.0
Shares outstanding (diluted)	489.7	464.6	463.3	465.7	487.3	487.1	485.2	449.0

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.