Very good quarterly report. A fly in the ointment: the deposit base is well short of the level of outstanding loans, with borrowed funds ($12 billion) largely filling the gap. Those funds are costing NYB over 3.75% (compared to about 1% for their deposits). NYB's NIM would benefit from their expanding their deposit base & reducing their need to borrow. AF looks like it would be a very good fit with NYB on many levels.