UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 17, 2002 ------------- NEW YORK COMMUNITY BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware 0-22278 06-1377322 ------------------------------- ---------------------- ---------------- (State or other jurisdiction of Commission File Number (I.R.S. Employer incorporation or organization) Identification No.) 615 Merrick Avenue, Westbury, New York 11590 (Address of principal executive offices) Registrant's telephone number, including area code: (516) 683-4100 -------------- Not applicable -------------- (Former name or former address, if changed since last report) CURRENT REPORT ON FORM 8-K Item 1. Changes in Control of Registrant Not applicable. Item 2. Acquisition or Disposition of Assets Not applicable. Item 3. Bankruptcy or Receivership Not applicable. Item 4. Changes in Registrant's Certifying Accountant Not applicable. Item 5. Other Events On July 17, 2002, New York Community Bancorp, Inc. (the "Company"), a Delaware Corporation, reported its earnings for the three and six months ended June 30, 2002, and provided its diluted GAAP EPS estimates for the full year 2002 and 2003. Item 6. Resignations of Registrant's Directors Not applicable. Item 7. Financial Statements and Exhibits (a) No financial statements of businesses acquired are required. (b) No pro forma financial information is required. (c) Attached as an exhibit is the Company's second quarter 2002 earnings release including diluted GAAP EPS estimates for the full year 2002 and 2003. Item 8. Change in Fiscal Year Not applicable. Item 9. Regulation FD Disclosure Not applicable. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. July 17, 2002 NEW YORK COMMUNITY BANCORP, INC. ---------------------- Date /s/ Joseph R. Ficalora ------------------------------------ Joseph R. Ficalora President and Chief Executive Officer EXHIBIT INDEX 99.1 Earnings release dated July 17, 2002 including diluted GAAP EPS estimates for the full year 2002 and 2003.