New York Community Bancorp, Inc. ( NYCB - Free Report ) reported second-quarter 2019 earnings per share of 19 cents, in line with the Zacks Consensus Estimate. The figure, however, compares unfavorably with the prior-year quarter figure of 20 cents. Lower expenses and provisions drove the company's performance. Moreover, higher deposit and loan balances were a tailwind. Nevertheless, fall in revenues remained on the downside. Also, decline in margin was an undermining factor. The company reported net income available to common shareholders of $89 million compared with the $99.1 million recorded in the prior-year quarter.