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Astoria Financial Corporation operates as the holding company for Astoria Federal Savings and Loan Association that provides various banking services in the United States. The company offers various deposit accounts, including passbook and statement savings accounts, money market accounts, NOW and demand deposit accounts, liquid certificates of deposits, and certificates of deposit. It also provides a range of loans, which include one-to-four family mortgage loans; multi-family and commercial real estate loans; construction loans for various residential properties and certain commercial real estate properties; and consumer and other loans, including home equity lines of credit, as well as overdraft protection, commercial loans, passbook loans, and student loans. The company, through other subsidiaries, operates as a life insurance agency, and property and casualty insurance broker. As of December 31, 2007, it operated 86 banking offices. The company was founded in 1888 and is headquartered in Lake Success, New York.^[1]

[edit] Company Overview

Astoria Federal’s primary business is attracting retail deposits from the general public and investing those deposits, together with funds generated from operations, principal repayments on loans and securities and borrowings, primarily in different types of loans (mortgage, real estate, etc), mortgage-backed securities, and government issued securities.^[2]

[edit] Business and Financial Metrics

 Astoria Financial

	Select All  |  Select None Metrics Provision for Loan Losses Commercial Real Estate Loans Commercial Loans Construction Loans Consumer Deposits Mortgage Backed Securities Net Loans Residential Loans Securities Total Assets Tier 1 Capital Ratio% Return on Assets (ROA) Tier 1 Risk-based Capital Ratio Nonperforming Assets to Total Assets Nonperforming Loans to Total Loans Revenue Net Income Net Interest Income Net Interest Margin Net Charge Offs to Avg Loans Cancel

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Company	Data From	Net Interest Margin	Net Charge Offs to Avg Loans	Revenue	Net Income	Net Interest Income
Astoria Financial (AF)	2007	1.62%[3]	0.02%[4]	$1.18B[5]	$125M[5]	$334M[5]
First Niagara Financial Group (FNFG)	2007	3.33%[6]	0.18%[6]	$555M[7]	$84.1M[7]	$224M[7]
Investors Bancorp (ISBC)	2007	1.61%[8]	Add	$283M[9]	$22.3M[9]	$86.3M[9]
Washington Federal (WFSL)	2007	2.77%[10]	0.02%[11]	$634M[12]	$135M[12]	$260M[12]

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[edit] References

1. ↑ Yahoo! Profile for ASTORIA FINL CORP.
2. ↑ ^{2.0 2.1} AF 2007 Annual Report  
3. ↑ AF, 2007 10K, Item 6, PG 40
4. ↑ AF, 2007 10K, Item 7, PG 72
5. ↑ ^{5.0 5.1 5.2} AF, 2007 10K, Item 6, PG 39
6. ↑ ^{6.0 6.1} FNFG, 2007 10K, Part II, Item 6, Pg 23
7. ↑ ^{7.0 7.1 7.2} FNFG, 2007 10K, Part II, Item 6, Pg 22
8. ↑ ISBC, 2007 10K, Item 6, PG 40
9. ↑ ^{9.0 9.1 9.2} ISBC, 2007 10K, Item 6, PG 39
10. ↑ WFSL, 2007 10K, Item 1 PG 6
11. ↑ WFSL, 2007 10K, Item 1 PG 13
12. ↑ ^{12.0 12.1 12.2} WFSL, 2007 10K, Exhibit 13, PG 11

--Jaechung 07:04, October 22, 2008 (PDT)--Jaechung 07:04, October 22, 2008 (PDT)