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): October 19, 2005 ---------------- NEW YORK COMMUNITY BANCORP, INC. -------------------------------- (Exact name of registrant as specified in its charter) Delaware 001-31565 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) (516) 683-4100 -------------- (Registrant's telephone number, including area code) Not applicable -------------- (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: |X| Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |_| Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |_| Pre-commencement communications pursuant to Rule 13e-4c under the Exchange Act (17 CFR 240.13e-4(c)) CURRENT REPORT ON FORM 8-K -------------------------- ITEM 2.02: Results of Operations and Financial Condition --------------------------------------------- On October 19, 2005, New York Community Bancorp, Inc. (the "Company") issued a press release reporting its earnings for the three and nine months ended September 30, 2005. A copy of the press release is attached as Exhibit 99.1 to this report. ITEM 8.01: OTHER EVENTS ------------ The response to Item 2.02 is incorporated by reference into this Item 8.01. ITEM 9.01: Financial Statements and Exhibits --------------------------------- (c) Attached as Exhibit 99.1 is a press release issued by the Company on October 19, 2005 reporting its earnings for the three and nine months ended September 30, 2005. 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. Date: October 19, 2005 NEW YORK COMMUNITY BANCORP, INC. ---------------- /s/ Joseph R. Ficalora ---------------------- Joseph R. Ficalora President and Chief Executive Officer EXHIBIT INDEX ------------- Exhibit 99.1 Press release issued on October 19, 2005.