| Delaware(State or other jurisdiction of incorporation or organization)           |   | 11-3297463(I.R.S. employer identification number) |
|----------------------------------------------------------------------------------|--------|---------------------------------------------------|
|  209 Havemeyer Street, Brooklyn, NY(Address of principal executive offices) |   |  11211(Zip Code)                             |
| LARGE ACCELERATED FILER ___ | ACCELERATED FILER    x  | NON -ACCELERATED FILER  ___ | SMALLER REPORTING COMPANY ___ |
|-----------------------------|--------------------------------------------------|----------------------------------|-------------------------------|
| Classes of Common Stock |   | Number of Shares Outstanding at November 7, 2012 |
|-------------------------|--------|--------------------------------------------------|
| $.01 Par Value          |   | 35,606,696                                       |
|                    |   |                                             |

----

----

----

| Delaware(State or other jurisdiction of incorporation or organization)           |   | 11-3297463(I.R.S. employer identification number) |
|----------------------------------------------------------------------------------|--------|---------------------------------------------------|
|  209 Havemeyer Street, Brooklyn, NY(Address of principal executive offices) |   |  11211(Zip Code)                             |
| LARGE ACCELERATED FILER ___ | ACCELERATED FILER    x  | NON -ACCELERATED FILER  ___ | SMALLER REPORTING COMPANY ___ |
|-----------------------------|--------------------------------------------------|----------------------------------|-------------------------------|
| Classes of Common Stock |   | Number of Shares Outstanding at November 7, 2012 |
|-------------------------|--------|--------------------------------------------------|
| $.01 Par Value          |   | 35,606,696                                       |
|                    |   |                                             |

----

|     |                                                                                                                                                  | Page   |
|----------|-------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|     | PART I – FINANCIAL INFORMATION                                                                                                                  |   |
| Item 1.  | Unaudited Condensed Consolidated Financial Statements                                                                                                 |   |
|     | Condensed Consolidated Statements of Financial Condition at September 30, 2012 and December 31, 2011                                                  | 3      |
|     | Condensed Consolidated Statements of Operations and Comprehensive Income for the Three-Month and Nine-Month Periods Ended September 30, 2012 and 2011 | 4      |
|     | Condensed Consolidated Statements of Changes in Stockholders' Equity for the Nine Months Ended September 30, 2012 and 2011                            | 5      |
|     | Condensed Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2012 and 2011                                                 | 6      |
|     | Notes to Condensed Consolidated Financial Statements                                                                                                  | 7-31   |
| Item 2.  | Management's Discussion and Analysis of Financial Condition and Results of Operations                                                                 | 32-49  |
| Item 3.  | Quantitative and Qualitative Disclosures About Market Risk                                                                                            | 49-50  |
| Item 4.  | Controls and Procedures                                                                                                                               | 51     |
|     | PART II - OTHER INFORMATION                                                                                                                           |   |
| Item 1.  | Legal Proceedings                                                                                                                                     | 51     |
| Item 1A. | Risk Factors                                                                                                                                          | 51     |
| Item 2.  | Unregistered Sales of Equity Securities and Use of Proceeds                                                                                           | 51     |
| Item 3.  | Defaults Upon Senior Securities                                                                                                                       | 51     |
| Item 5.  | Other Information                                                                                                                                     | 51     |
| Item 6.  | Exhibits                                                                                                                                              | 51-53  |
|     | Signatures                                                                                                                                            | 53     |

| · | the timing and occurrence or non-occurrence of events may be subject to circumstances beyond the Company's control; |
|--------|---------------------------------------------------------------------------------------------------------------------|

| · | there may be increases in competitive pressure among financial institutions or from non-financial institutions; |
|--------|-----------------------------------------------------------------------------------------------------------------|

| · | changes in the interest rate environment may reduce interest margins; |
|--------|-----------------------------------------------------------------------|

| · | changes in deposit flows, loan demand or real estate values may adversely affect the business of The Dime Savings Bank of Williamsburgh (the "Bank"); |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | changes in accounting principles, policies or guidelines may cause the Company's financial condition to be perceived differently; |
|--------|-----------------------------------------------------------------------------------------------------------------------------------|

| · | changes in corporate and/or individual income tax laws may adversely affect the Company's business or financial condition; |
|--------|----------------------------------------------------------------------------------------------------------------------------|

| · | general economic conditions, either nationally or locally in some or all areas in which the Company conducts business, or conditions in the securities markets or the banking industry, may be less favorable than the Company currently anticipates; |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | legislation or regulatory changes may adversely affect the Company's business; |
|--------|--------------------------------------------------------------------------------|

| · | technological changes may be more difficult or expensive than the Company  anticipates; |
|--------|----------------------------------------------------------------------------------------------|

| · | success or consummation of new business initiatives may be more difficult or expensive than the Company anticipates; |
|--------|----------------------------------------------------------------------------------------------------------------------|

| · | litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than the Company anticipates; and |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | the risks referred to in the section entitled "Risk Factors." |
|--------|---------------------------------------------------------------|

----

|                                                                                                                                                                                                                                                                                              |   | September 30,2012 |      |   | December 31,2011 |   |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------|-----------|--------|------------------|--------|
| ASSETS:                                                                                                                                                                                                                                                                                           |   |                   |      |   |                  |   |
| Cash and due from banks                                                                                                                                                                                                                                                                           |   | $                 | 194,702   |   |             | $      | 43,309 |   |
| Federal funds sold and other short-term investments                                                                                                                                                                                                                                               |   |              | 59,999    |   |             |   | 951 |   |
|   Total cash and cash equivalents                                                                                                                                                                                                                                                       |   |              | 254,701   |   |             |   | 44,260 |   |
| Investment securities held-to-maturity (estimated fair value of $6,244 and $4,924 at September 30, 2012 and December 31, 2011, respectively) (Fully unencumbered)                                                                                                                                 |   |              | 5,957     |   |             |   | 6,511 |   |
| Investment securities available-for-sale, at fair value:                                                                                                                                                                                                                                          |   |              |      |   |             |   |   |   |
|    Encumbered                                                                                                                                                                                                                                                                      |   |              | 49,111    |   |             |   | 124,282 |   |
|    Unencumbered                                                                                                                                                                                                                                                                    |   |              | 5,915     |   |             |   | 50,586 |   |
|                                                                                                                                                                                                                                                                                              |   |              | 55,026    |   |             |   | 174,868 |   |
| Mortgage-backed securities available-for-sale, at fair value:                                                                                                                                                                                                                                     |   |              |      |   |             |   |   |   |
|    Encumbered                                                                                                                                                                                                                                                                      |   |              | 69,977    |   |             |   | 90,164 |   |
|    Unencumbered                                                                                                                                                                                                                                                                    |   |              | 11,815    |   |             |   | 3,713 |   |
|                                                                                                                                                                                                                                                                                              |   |              | 81,792    |   |             |   | 93,877 |   |
| Trading securities                                                                                                                                                                                                                                                                                |   |              | 3,432     |   |             |   | 1,774 |   |
| Loans:                                                                                                                                                                                                                                                                                            |   |              |      |   |             |   |   |   |
|     Real estate, net                                                                                                                                                                                                                                                          |   |              | 3,323,501 |   |             |   | 3,458,416 |   |
|     Other loans                                                                                                                                                                                                                                                               |   |              | 2,492     |   |             |   | 2,449 |   |
|     Less allowance for loan losses                                                                                                                                                                                                                                            |   |              | (20,694   | )      |             |   | (20,254 | ) |
|    Total loans, net                                                                                                                                                                                                                                                                |   |              | 3,305,299 |   |             |   | 3,440,611 |   |
| Loans held for sale                                                                                                                                                                                                                                                                               |   |              | 387       |   |             |   | 3,022 |   |
| Premises and fixed assets, net                                                                                                                                                                                                                                                                    |   |              | 33,363    |   |             |   | 32,646 |   |
| Federal Home Loan Bank of New York ("FHLBNY") capital stock                                                                                                                                                                                                                                       |   |              | 41,636    |   |             |   | 49,489 |   |
| Goodwill                                                                                                                                                                                                                                                                                          |   |              | 55,638    |   |             |   | 55,638 |   |
| Other assets                                                                                                                                                                                                                                                                                      |   |              | 117,127   |   |             |   | 118,484 |   |
| Total Assets                                                                                                                                                                                                                                                                                      |   | $                 | 3,954,358 |   |             | $      | 4,021,180 |   |
| LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                                                                                                                                                                              |   |              |      |   |             |   |   |   |
| Liabilities:                                                                                                                                                                                                                                                                                      |   |              |      |   |             |   |   |   |
| Due to depositors:                                                                                                                                                                                                                                                                                |   |              |      |   |             |   |   |   |
| Interest bearing deposits                                                                                                                                                                                                                                                                         |   | $                 | 2,267,897 |   |             | $      | 2,202,622 |   |
| Non-interest bearing deposits                                                                                                                                                                                                                                                                     |   |              | 151,269   |   |             |   | 141,079 |   |
| Total deposits                                                                                                                                                                                                                                                                                    |   |              | 2,419,166 |   |             |   | 2,343,701 |   |
| Escrow and other deposits                                                                                                                                                                                                                                                                         |   |              | 111,066   |   |             |   | 71,812 |   |
| Securities sold under agreements to repurchase ("REPOS")                                                                                                                                                                                                                                          |   |              | 155,000   |   |             |   | 195,000 |   |
| FHLBNY advances                                                                                                                                                                                                                                                                                   |   |              | 767,500   |   |             |   | 939,775 |   |
| Trust Preferred securities payable                                                                                                                                                                                                                                                                |   |              | 70,680    |   |             |   | 70,680 |   |
| Other liabilities                                                                                                                                                                                                                                                                                 |   |              | 43,408    |   |             |   | 39,178 |   |
| Total Liabilities                                                                                                                                                                                                                                                                                 |   | $                 | 3,566,820 |   |             | $      | 3,660,146 |   |
| Commitments and Contingencies                                                                                                                                                                                                                                                                     |   |              |      |   |             |   |   |   |
| Stockholders' Equity:                                                                                                                                                                                                                                                                             |   |              |      |   |             |   |   |   |
| Preferred stock ($0.01 par, 9,000,000 shares authorized, none issued or outstanding at September 30, 2012 and December 31, 2011)                                                                                                                                                                  |   |              | -         |   |             |   | - |   |
| Common stock ($0.01 par, 125,000,000 shares authorized, 51,905,791 shares and 51,566,098 shares issued at September 30, 2012 and December 31, 2011,    respectively, and 35,598,196 shares and 35,109,045 shares outstanding at September 30, 2012 and December 31, 2011, respectively) |   | $                 | 519       |   |             | $      | 516 |   |
| Additional paid-in capital                                                                                                                                                                                                                                                                        |   |              | 237,192   |   |             |   | 231,521 |   |
| Retained earnings                                                                                                                                                                                                                                                                                 |   |              | 377,266   |   |             |   | 358,079 |   |
| Accumulated other comprehensive loss, net of deferred taxes                                                                                                                                                                                                                                       |   |              | (9,396    | )      |             |   | (9,709 | ) |
| Unallocated common stock of Employee Stock Ownership Plan ("ESOP")                                                                                                                                                                                                                                |   |              | (3,065    | )      |             |   | (3,239 | ) |
| Unearned Restricted Stock Award common stock                                                                                                                                                                                                                                                      |   |              | (3,594    | )      |             |   | (3,037 | ) |
| Common stock held by Benefit Maintenance Plan ("BMP")                                                                                                                                                                                                                                             |   |              | (8,800    | )      |             |   | (8,655 | ) |
| Treasury stock, at cost (16,307,595 shares and 16,457,053 shares at September 30, 2012 and December 31, 2011, respectively)                                                                                                                                                                       |   |              | (202,584  | )      |             |   | (204,442 | ) |
| Total Stockholders' Equity                                                                                                                                                                                                                                                                        |   | $                 | 387,538   |   |             | $      | 361,034 |   |
| Total Liabilities And Stockholders' Equity                                                                                                                                                                                                                                                        |   | $                 | 3,954,358 |   |             | $      | 4,021,180 |   |

----

|                                                                                                                                                                                                                                                                                                                                                                   |   | Three Months Ended September 30, |   |   | Nine Months Ended September 30, |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------|--------|--------|---------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                   |   | 2012                             |   |   | 2011                            |   |   | 2012 |   |   | 2011 |   |
| Interest income:                                                                                                                                                                                                                                                                                                                                                       |   |                                  |   |   |                                 |   |   |  |   |   |  |   |
| Loans secured by real estate                                                                                                                                                                                                                                                                                                                                           |   | $                                | 45,963 |   |                            | $      | 49,139 |   |   | $ | 143,735 |   |   | $ | 151,625 |   |
| Other loans                                                                                                                                                                                                                                                                                                                                                            |   |                             | 28     |   |                            |   | 24 |   |   |   | 76 |   |   |   | 74 |   |
| Mortgage-backed securities                                                                                                                                                                                                                                                                                                                                             |   |                             | 677    |   |                            |   | 1,192 |   |   |   | 2,456 |   |   |   | 3,974 |   |
| Investment securities                                                                                                                                                                                                                                                                                                                                                  |   |                             | 223    |   |                            |   | 321 |   |   |   | 1,043 |   |   |   | 1,019 |   |
| Federal funds sold and other short-term investments                                                                                                                                                                                                                                                                                                                    |   |                             | 582    |   |                            |   | 640 |   |   |   | 1,895 |   |   |   | 2,089 |   |
| Total interest  income                                                                                                                                                                                                                                                                                                                                            |   |                             | 47,473 |   |                            |   | 51,316 |   |   |   | 149,205 |   |   |   | 158,781 |   |
| Interest expense:                                                                                                                                                                                                                                                                                                                                                      |   |                             |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Deposits and escrow                                                                                                                                                                                                                                                                                                                                                    |   |                             | 5,302  |   |                            |   | 6,498 |   |   |   | 16,449 |   |   |   | 20,081 |   |
| Borrowed funds                                                                                                                                                                                                                                                                                                                                                         |   |                             | 8,773  |   |                            |   | 10,646 |   |   |   | 31,465 |   |   |   | 33,325 |   |
| Total interest expense                                                                                                                                                                                                                                                                                                                                                 |   |                             | 14,075 |   |                            |   | 17,144 |   |   |   | 47,914 |   |   |   | 53,406 |   |
| Net interest income                                                                                                                                                                                                                                                                                                                                                    |   |                             | 33,398 |   |                            |   | 34,172 |   |   |   | 101,291 |   |   |   | 105,375 |   |
| Provision for loan losses                                                                                                                                                                                                                                                                                                                                              |   |                             | 126    |   |                            |   | 2,217 |   |   |   | 3,858 |   |   |   | 5,305 |   |
| Net interest income after provision for loan losses                                                                                                                                                                                                                                                                                                                    |   |                             | 33,272 |   |                            |   | 31,955 |   |   |   | 97,433 |   |   |   | 100,070 |   |
| Non-interest income:                                                                                                                                                                                                                                                                                                                                                   |   |                             |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Other than temporary impairment ("OTTI") losses:                                                                                                                                                                                                                                                                                                                       |   |                             | -      |   |                            |   | (83 | ) |   |   | (187 | ) |   |   | (720 | ) |
| Less:  Non-credit portion of OTTI recorded in other comprehensive income (before taxes)                                                                                                                                                                                                                                                                           |   |                             | -      |   |                            |   | 24 |   |   |   | 6 |   |   |   | 25 |   |
| Net OTTI recognized in earnings                                                                                                                                                                                                                                                                                                                                        |   |                             | -      |   |                            |   | (59 | ) |   |   | (181 | ) |   |   | (695 | ) |
| Service charges and other fees                                                                                                                                                                                                                                                                                                                                         |   |                             | 1,244  |   |                            |   | 1,172 |   |   |   | 2,840 |   |   |   | 2,836 |   |
| Net mortgage banking income                                                                                                                                                                                                                                                                                                                                            |   |                             | 259    |   |                            |   | 136 |   |   |   | 1,475 |   |   |   | 433 |   |
| Net gain on sales of securities and other assets                                                                                                                                                                                                                                                                                                                       |   |                             | 67     |   |                            |   | (136 | ) |   |   | 180 |   |   |   | (69 | ) |
| Income from bank owned life insurance                                                                                                                                                                                                                                                                                                                                  |   |                             | 423    |   |                            |   | 420 |   |   |   | 1,265 |   |   |   | 1,334 |   |
| Other                                                                                                                                                                                                                                                                                                                                                                  |   |                             | 581    |   |                            |   | 616 |   |   |   | 1,772 |   |   |   | 1,954 |   |
| Total non-interest income                                                                                                                                                                                                                                                                                                                                              |   |                             | 2,574  |   |                            |   | 2,149 |   |   |   | 7,351 |   |   |   | 5,793 |   |
| Non-interest expense:                                                                                                                                                                                                                                                                                                                                                  |   |                             |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and employee benefits                                                                                                                                                                                                                                                                                                                                         |   |                             | 8,245  |   |                            |   | 7,723 |   |   |   | 25,751 |   |   |   | 24,518 |   |
| Stock benefit plan amortization expense                                                                                                                                                                                                                                                                                                                                |   |                             | 975    |   |                            |   | 939 |   |   |   | 2,884 |   |   |   | 2,886 |   |
| Occupancy and equipment                                                                                                                                                                                                                                                                                                                                                |   |                             | 2,527  |   |                            |   | 2,649 |   |   |   | 7,431 |   |   |   | 7,741 |   |
| Federal deposit insurance premiums                                                                                                                                                                                                                                                                                                                                     |   |                             | 502    |   |                            |   | 591 |   |   |   | 1,557 |   |   |   | 2,163 |   |
| Data processing costs                                                                                                                                                                                                                                                                                                                                                  |   |                             | 746    |   |                            |   | 760 |   |   |   | 2,223 |   |   |   | 2,236 |   |
| Other                                                                                                                                                                                                                                                                                                                                                                  |   |                             | 2,776  |   |                            |   | 2,302 |   |   |   | 8,009 |   |   |   | 7,363 |   |
| Total non-interest expense                                                                                                                                                                                                                                                                                                                                             |   |                             | 15,771 |   |                            |   | 14,964 |   |   |   | 47,855 |   |   |   | 46,907 |   |
| Income before income taxes                                                                                                                                                                                                                                                                                                                                             |   |                             | 20,075 |   |                            |   | 19,140 |   |   |   | 56,929 |   |   |   | 58,956 |   |
| Income tax expense                                                                                                                                                                                                                                                                                                                                                     |   |                             | 8,280  |   |                            |   | 7,976 |   |   |   | 23,356 |   |   |   | 24,374 |   |
| Net income                                                                                                                                                                                                                                                                                                                                                             |   | $                                | 11,795 |   |                            | $      | 11,164 |   |   | $ | 33,573 |   |   | $ | 34,582 |   |
| Earnings per Share:                                                                                                                                                                                                                                                                                                                                                    |   |                             |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                                                                                                                                                                                                                                                                                                                                                  |   | $                                | 0.34   |   |                            | $      | 0.33 |   |   | $ | 0.98 |   |   | $ | 1.03 |   |
| Diluted                                                                                                                                                                                                                                                                                                                                                                |   | $                                | 0.34   |   |                            | $      | 0.33 |   |   | $ | 0.98 |   |   | $ | 1.02 |   |
|                                                                                                                                                                                                                                                                                                                                                                   |   |                             |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| STATEMENTS OF COMPREHENSIVE INCOME                                                                                                                                                                                                                                                                                                                                     |   |                             |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Net Income                                                                                                                                                                                                                                                                                                                                                             |   | $                                | 11,795 |   |                            | $      | 11,164 |   |   | $ | 33,573 |   |   | $ | 34,582 |   |
| Amortization and reversal of net unrealized loss on securities transferred from   available-for-sale to held-to-maturity, net of taxes of $11 and $14 during the three months   ended September 30, 2012 and 2011, respectively, and $75 and $26 during the   nine months ended September 30, 2012 and 2011, respectively |   |                             | 13     |   |                            |   | 15 |   |   |   | 91 |   |   |   | 47 |   |
| Reduction in non-credit component of OTTI charge, net of taxes of $6 and $290 during   the three months ended September 30, 2012 and 2011, respectively, and $133 and   $566 during the nine months ended September 30, 2012 and 2011, respectively                                                                                      |   |                             | 7      |   |                            |   | 5 |   |   |   | 161 |   |   |   | 693 |   |
| Non-credit component of OTTI charge recognized during the period, net of tax benefit of   $(3) during the nine months ended September 30, 2011                                                                                                                                                                                                          |   |                             | -      |   |                            |   | (13 | ) |   |   | (3 | ) |   |   | (13 | ) |
| Reclassification adjustment for securities sold during the period, net of taxes of   $20 during the nine months ended September 30, 2012 and $10 during the three months and nine months    ended September 30, 2011                                                                                                                          |   |                             | -      |   |                            |   | 12 |   |   |   | 24 |   |   |   | 12 |   |
| Net unrealized securities gains arising during the period, net of (tax benefits) taxes of $(6)   and $304 during the three months ended September 30, 2012 and 2011, respectively and   $(224) and $37 during the nine months ended September 30, 2012 and 2011, respectively                                                            |   |                             | (7     | )      |                            |   | (601 | ) |   |   | (272 | ) |   |   | (557 | ) |
| Defined benefit plan adjustments, net of taxes of $256 during the nine months   ended September 30, 2012 and $23 during the nine months ended September 30, 2011                                                                                                                                                                                        |   |                             | -      |   |                            |   | - |   |   |   | 312 |   |   |   | 27 |   |
| Comprehensive Income                                                                                                                                                                                                                                                                                                                                                   |   | $                                | 11,808 |   |                            | $      | 10,582 |   |   | $ | 33,886 |   |   | $ | 34,791 |   |

----

|                                                                                                                                |   | Nine Months Ended September 30, |     |
|-------------------------------------------------------------------------------------------------------------------------------------|--------|---------------------------------|----------|
|                                                                                                                                |   | 2012                            |     |   | 2011 |   |
| Common Stock (Par Value $0.01):                                                                                                     |   |                                 |     |   |  |   |
| Balance at beginning of period                                                                                                      |   | $                               | 516      |   |   | $ | 512 |   |
| Shares issued in exercise of options                                                                                                |   |                            | 3        |   |   |   | 3 |   |
| Balance at end of period                                                                                                            |   |                            | 519      |   |   |   | 515 |   |
| Additional Paid-in Capital:                                                                                                         |   |                            |     |   |   |   |   |   |
| Balance at beginning of period                                                                                                      |   |                            | 231,521  |   |   |   | 225,585 |   |
| Stock options exercised                                                                                                             |   |                            | 4,083    |   |   |   | 2,627 |   |
| Forfeited restricted stock award shares returned to treasury stock                                                                  |   |                            | (3       | ) |   |   | 2 |   |
| Tax benefit of stock plans                                                                                                          |   |                            | 349      |   |   |   | 399 |   |
| Release from treasury stock for restricted stock award and BMP benefit shares                                                       |   |                            | 217      |   |   |   | 501 |   |
| Amortization of excess fair value over cost – ESOP stock and stock options expense                                            |   |                            | 1,025    |   |   |   | 1,082 |   |
| Balance at end of period                                                                                                            |   |                            | 237,192  |   |   |   | 230,196 |   |
| Retained Earnings:                                                                                                                  |   |                            |     |   |   |   |   |   |
| Balance at beginning of period                                                                                                      |   |                            | 358,079  |   |   |   | 329,668 |   |
| Net income for the period                                                                                                           |   |                            | 33,573   |   |   |   | 34,582 |   |
| Cash dividends declared and paid                                                                                                    |   |                            | (14,386  | ) |   |   | (14,156 | ) |
| Balance at end of period                                                                                                            |   |                            | 377,266  |   |   |   | 350,094 |   |
| Accumulated Other Comprehensive Loss, net of tax:                                                                                   |   |                            |     |   |   |   |   |   |
| Balance at beginning of period                                                                                                      |   |                            | (9,709   | ) |   |   | (6,352 | ) |
| Amortization and reversal of net unrealized loss on securities transferred from available-for- sale to held-to-maturity, net of tax |   |                            | 91       |   |   |   | 47 |   |
| Reduction in non-credit component of OTTI charge, net of tax                                                                        |   |                            | 161      |   |   |   | 693 |   |
| Non-credit component of OTTI charge recognized during the period, net of tax                                                        |   |                            | (3       | ) |   |   | (13 | ) |
| Increase in unrealized loss on available-for-sale securities during the period                                                      |   |                            | (248     | ) |   |   | (545 | ) |
| Adjustments related to defined benefit plans, net of tax                                                                            |   |                            | 312      |   |   |   | 27 |   |
| Balance at end of period                                                                                                            |   |                            | (9,396   | ) |   |   | (6,143 | ) |
| ESOP:                                                                                                                               |   |                            |     |   |   |   |   |   |
| Balance at beginning of period                                                                                                      |   |                            | (3,239   | ) |   |   | (3,470 | ) |
| Amortization of earned portion of ESOP stock                                                                                        |   |                            | 174      |   |   |   | 173 |   |
| Balance at end of period                                                                                                            |   |                            | (3,065   | ) |   |   | (3,297 | ) |
| Unearned Restricted Stock Award Common Stock:                                                                                       |   |                            |     |   |   |   |   |   |
| Balance at beginning of period                                                                                                      |   |                            | (3,037   | ) |   |   | (2,684 | ) |
| Amortization of earned portion of restricted stock awards                                                                           |   |                            | 1,370    |   |   |   | 1,139 |   |
| Release from treasury stock for restricted stock award shares                                                                       |   |                            | (1,959   | ) |   |   | (1,953 | ) |
| Forfeited restricted stock award shares returned to treasury stock                                                                  |   |                            | 32       |   |   |   | 22 |   |
| Balance at end of period                                                                                                            |   |                            | (3,594   | ) |   |   | (3,476 | ) |
| Treasury Stock, at cost:                                                                                                            |   |                            |     |   |   |   |   |   |
| Balance at beginning of period                                                                                                      |   |                            | (204,442 | ) |   |   | (206,546 | ) |
| Forfeited restricted stock award shares returned to treasury stock                                                                  |   |                            | (29      | ) |   |   | (24 | ) |
| Release from treasury stock for restricted stock award and BMP benefit shares                                                       |   |                            | 1,887    |   |   |   | 2,128 |   |
| Balance at end of period                                                                                                            |   |                            | (202,584 | ) |   |   | (204,442 | ) |
| Common Stock Held by BMP:                                                                                                           |   |                            |     |   |   |   |   |   |
| Balance at beginning of period                                                                                                      |   |                            | (8,655   | ) |   |   | (7,979 | ) |
| BMP award distribution                                                                                                              |   |                            | -        |   |   |   | - |   |
| Release from treasury stock for BMP benefit shares                                                                                  |   |                            | (145     | ) |   |   | (676 | ) |
| Balance at end of period                                                                                                            |   |                            | (8,800   | ) |   |   | (8,655 | ) |
|                                                                                                                                |   |                            |     |   |   |   |   |   |
| Total Stockholders' Equity                                                                                                          |   | $                               | 387,538  |   |   | $ | 354,792 |   |

----

|                                                                                                  |   | Nine Months Ended September 30, |     |
|-------------------------------------------------------------------------------------------------------|--------|---------------------------------|----------|
|                                                                                                  |   | 2012                            |     |   | 2011 |   |
| CASH FLOWS FROM OPERATING ACTIVITIES:                                                                 |   |                                 |     |   |  |   |
| Net Income                                                                                            |   | $                               | 33,573   |   |   | $ | 34,582 |   |
| Adjustments to reconcile net income to net cash provided by operating activities:                     |   |                            |     |   |   |   |   |   |
| Net (gain) loss on sale of loans originated for sale                                                  |   |                            | (26      | ) |   |   | 8 |   |
| Net gain on sale of investment securities available-for-sale                                          |   |                            | (44      | ) |   |   | (22 | ) |
| Net gain on trading securities                                                                        |   |                            | (136     | ) |   |   | 105 |   |
| Net depreciation and amortization                                                                     |   |                            | 2,080    |   |   |   | 2,236 |   |
| ESOP compensation expense                                                                             |   |                            | 819      |   |   |   | 812 |   |
| Stock plan compensation (excluding ESOP)                                                              |   |                            | 1,750    |   |   |   | 1,582 |   |
| Provision for loan losses                                                                             |   |                            | 3,858    |   |   |   | 5,305 |   |
| Credit to reduce the liability for loans sold with recourse                                           |   |                            | (1,107   | ) |   |   | - |   |
| OTTI charge for investment securities recognized in earnings                                          |   |                            | 181      |   |   |   | 695 |   |
| Increase in cash surrender value of Bank Owned Life Insurance                                         |   |                            | (1,265   | ) |   |   | (1,334 | ) |
| Deferred income tax credit                                                                            |   |                            | 47       |   |   |   | (2,415 | ) |
| Excess tax benefit of stock plans                                                                     |   |                            | (349     | ) |   |   | (399 | ) |
| Changes in assets and liabilities:                                                                    |   |                            |     |   |   |   |   |   |
| Origination of loans held for sale                                                                    |   |                            | (5,080   | ) |   |   | (4,539 | ) |
| Proceeds from sale of loans held for sale                                                             |   |                            | 8,741    |   |   |   | 7,957 |   |
| Decrease in other assets                                                                              |   |                            | 2,666    |   |   |   | 5,966 |   |
| Increase in other liabilities                                                                         |   |                            | 5,906    |   |   |   | 21,473 |   |
| Net cash provided by operating activities                                                             |   |                            | 51,614   |   |   |   | 72,012 |   |
| CASH FLOWS FROM INVESTING ACTIVITIES:                                                                 |   |                            |     |   |   |   |   |   |
| Proceeds from principal repayments of investment securities held-to-maturity                          |   |                            | 904      |   |   |   | 118 |   |
| Proceeds from maturities of investment securities available-for-sale                                  |   |                            | -        |   |   |   | - |   |
| Proceeds from calls and principal repayments of investment securities available-for-sale              |   |                            | 200,320  |   |   |   | 174,000 |   |
| Proceeds from sales of investment securities available-for-sale                                       |   |                            | 313      |   |   |   | 226 |   |
| Proceeds from sales of trading securities                                                             |   |                            | 171      |   |   |   | 136 |   |
| Purchases of investment securities available-for-sale                                                 |   |                            | (80,086  | ) |   |   | (228,132 | ) |
| Purchases of mortgage backed securities available-for-sale                                            |   |                            | (23,186  | ) |   |   | - |   |
| Purchases of trading securities                                                                       |   |                            | (1,691   | ) |   |   | (426 | ) |
| Principal collected on mortgage backed securities available-for-sale                                  |   |                            | 34,021   |   |   |   | 37,706 |   |
| Purchases of loans                                                                                    |   |                            | (24,483  | ) |   |   | (39,190 | ) |
| Proceeds from the sale of portfolio loans                                                             |   |                            | 30,906   |   |   |   | 15,712 |   |
| Net decrease in loans                                                                                 |   |                            | 124,031  |   |   |   | 55,417 |   |
| Purchases of fixed assets, net                                                                        |   |                            | (2,739   | ) |   |   | (3,271 | ) |
| Redemption of FHLBNY capital stock                                                                    |   |                            | 7,853    |   |   |   | 4,704 |   |
| Net cash provided by investing activities                                                             |   |                            | 266,334  |   |   |   | 17,000 |   |
| CASH FLOWS FROM FINANCING ACTIVITIES:                                                                 |   |                            |     |   |   |   |   |   |
| Net increase in due to depositors                                                                     |   |                            | 75,465   |   |   |   | 34,036 |   |
| Net increase in escrow and other deposits                                                             |   |                            | 39,254   |   |   |   | 23,803 |   |
| Decrease in REPOS                                                                                     |   |                            | (40,000  | ) |   |   | - |   |
| Repayment of FHLBNY advances                                                                          |   |                            | (172,275 | ) |   |   | (105,750 | ) |
| Cash dividends paid                                                                                   |   |                            | (14,386  | ) |   |   | (14,156 | ) |
| Exercise of stock options                                                                             |   |                            | 4,086    |   |   |   | 2,630 |   |
| BMP award distribution                                                                                |   |                            | -        |   |   |   | - |   |
| Excess tax benefit of stock plans                                                                     |   |                            | 349      |   |   |   | 399 |   |
| Net cash used in financing activities                                                                 |   |                            | (107,507 | ) |   |   | (59,038 | ) |
| INCREASE IN CASH AND DUE FROM BANKS                                                                   |   |                            | 210,441  |   |   |   | 29,974 |   |
| CASH AND DUE FROM BANKS, BEGINNING OF PERIOD                                                          |   |                            | 44,260   |   |   |   | 90,729 |   |
| CASH AND DUE FROM BANKS, END OF PERIOD                                                                |   | $                               | 254,701  |   |   | $ | 120,703 |   |
| SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:                                                     |   |                            |     |   |   |   |   |   |
| Cash paid for income taxes                                                                            |   | $                               | 22,531   |   |   | $ | 20,718 |   |
| Cash paid for interest                                                                                |   |                            | 48,244   |   |   |   | 53,573 |   |
| Loans transferred to held for sale                                                                    |   |                            | 1,000    |   |   |   | - |   |
| Amortization of unrealized loss on securities transferred from available-for-sale to held-to-maturity |   |                            | 142      |   |   |   | 85 |   |
| Net decrease in non-credit component of OTTI                                                          |   |                            | (288     | ) |   |   | (1,239 | ) |
| Adjustments to other comprehensive income from defined benefit plans, net of tax                      |   |                            | 312      |   |   |   | 27 |   |

----

----

----

|                                                                                                                                                   |   | Three Months Ended September 30, |       |   | Nine Months Ended September 30, |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------|------------|--------|---------------------------------|--------|
|                                                                                                                                                   |   | 2012                             |       |   | 2011                            |   |   | 2012 |   |   | 2011 |   |
| Numerator:                                                                                                                                             |   |                                  |       |   |                                 |   |   |  |   |   |  |   |
| Net Income per the Consolidated Statements of Operations                                                                                               |   | $                                | 11,795     |   |                            | $      | 11,164 |   |   | $ | 33,573 |   |   | $ | 34,582 |   |
| Denominator:                                                                                                                                           |   |                             |       |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Weighted-average number of shares outstanding utilized in the calculation of basic EPS                                                                 |   |                             | 34,408,801 |   |                            |   | 33,831,618 |   |   |   | 34,212,431 |   |   |   | 33,666,202 |   |
| Common stock equivalents resulting from the dilutive effect of "in-the-money" outstanding stock options,   net of the effect of tax benefits |   |                             | 89,016     |   |                            |   | 49,705 |   |   |   | 75,348 |   |   |   | 117,206 |   |
| Weighted average number of shares outstanding utilized in the calculation of diluted EPS                                                               |   |                             | 34,497,817 |   |                            |   | 33,881,323 |   |   |   | 34,287,779 |   |   |   | 33,783,408 |   |
|                                            |   | At or for the Three MonthsEnded September 30, |      |   | At or for the Nine MonthsEnded September 30, |   |
|-------------------------------------------------|--------|-----------------------------------------------|-----------|--------|----------------------------------------------|--------|
|                                            |   | 2012                                          |      |   | 2011                                         |   |   | 2012 |   |   | 2011 |   |
| Options outstanding – beginning of period |   |                                          | 2,830,302 |   |                                         |   | 3,079,040 |   |   |   | 2,893,760 |   |   |   | 3,213,007 |   |
| Options granted                                 |   |                                          | -         |   |                                         |   | - |   |   |   | 24,440 |   |   |   | 91,583 |   |
| Options exercised                               |   |                                          | (253,182  | )      |                                         |   | (55,955 | ) |   |   | (339,693 | ) |   |   | (276,944 | ) |
| Options forfeited                               |   |                                          | (5,625    | )      |                                         |   | (10,312 | ) |   |   | (7,012 | ) |   |   | (14,873 | ) |
| Options outstanding – end of period       |   |                                          | 2,571,495 |   |                                         |   | 3,012,773 |   |   |   | 2,571,495 |   |   |   | 3,012,773 |   |
| Remaining unrecognized compensation expense     |   | $                                             | 408       |   |                                         | $      | 628 |   |   | $ | 408 |   |   | $ | 628 |   |
|                                  |   | Nine Months Ended September 30, |   |
|---------------------------------------|--------|---------------------------------|--------|
|                                  |   | 2012                            |   |   | 2011 |   |
| Total options granted                 |   |                            | 24,440 |   |   |   | 91,583 |   |
| Estimated fair value on date of grant |   | $                               | 4.09   |   |   | $ | 4.82 |   |
| Pricing methodology utilized          |   | Black- Scholes                  |   |   | Black- Scholes |   |
| Expected life (in years)              |   |                            | 6.53   |   |   |   | 6.80 |   |
| Interest rate                         |   |                            | 1.21   | % |   |   | 2.59 | % |
| Volatility                            |   |                            | 45.17  |   |   |   | 42.35 |   |
| Dividend yield                        |   |                            | 4.04   |   |   |   | 3.62 |   |

----

|                                                  |   | At or for the Three Months Ended September 30, |    |   | At or for the Nine Months Ended September 30, |   |
|-------------------------------------------------------|--------|------------------------------------------------|---------|--------|-----------------------------------------------|--------|
|                                                  |   | 2012                                           |    |   | 2011                                          |   |   | 2012 |   |   | 2011 |   |
| Unvested allocated shares – beginning of period |   |                                           | 328,003 |   |                                          |   | 324,454 |   |   |   | 324,454 |   |   |   | 309,783 |   |
| Shares granted                                        |   |                                           | -       |   |                                          |   | - |   |   |   | 141,289 |   |   |   | 126,304 |   |
| Shares vested                                         |   |                                           | -       |   |                                          |   | - |   |   |   | (135,369 | ) |   |   | (109,649 | ) |
| Shares forfeited                                      |   |                                           | -       |   |                                          |   | - |   |   |   | (2,371 | ) |   |   | (1,984 | ) |
| Unvested allocated shares – end of period       |   |                                           | 328,003 |   |                                          |   | 324,454 |   |   |   | 328,003 |   |   |   | 324,454 |   |

----

|                                                           |   | Balance at September 30, 2012                      |   |
|----------------------------------------------------------------|--------|----------------------------------------------------|--------|
| Grade                                                          |   | One- to Four-FamilyResidential andCooperative Unit |   |   | MultifamilyResidential and ResidentialMixed Use |   |   | Mixed Use CommercialReal Estate |   |   | Commercial Real Estate |   |   | Construction |   |   | Total |   |
| Pass                                                           |   | $                                                  | 61,658 |   |   | $ | 2,482,610 |   |   | $ | 333,488 |   |   | $ | 365,405 |   |   | $ | - |   |   | $ | 3,243,161 |   |
| Special Mention                                                |   |                                               | 461    |   |   |   | 9,821 |   |   |   | 5,494 |   |   |   | - |   |   |   | - |   |   |   | 15,776 |   |
| Substandard                                                    |   |                                               | 9,086  |   |   |   | 2,208 |   |   |   | 4,964 |   |   |   | 30,158 |   |   |   | 528 |   |   |   | 46,944 |   |
| Total real estate loans individually assigned a credit grade   |   | $                                                  | 71,205 |   |   | $ | 2,494,639 |   |   | $ | 343,946 |   |   | $ | 395,563 |   |   | $ | 528 |   |   | $ | 3,305,881 |   |
| Real estate loans not individually assigned a credit grade (1) |   | $                                                  | 17,620 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   | $ | 17,620 |   |
|                                                           |   | Balance at December 31, 2011                       |   |
|----------------------------------------------------------------|--------|----------------------------------------------------|--------|
| Grade                                                          |   | One- to Four-FamilyResidential andCooperative Unit |   |   | MultifamilyResidential and ResidentialMixed Use |   |   | Mixed Use CommercialReal Estate |   |   | Commercial Real Estate |   |   | Construction |   |   | Total |   |
| Pass                                                           |   | $                                                  | 66,949 |   |   | $ | 2,587,573 |   |   | $ | 320,556 |   |   | $ | 364,462 |   |   | $ | - |   |   | $ | 3,339,540 |   |
| Special Mention                                                |   |                                               | 1,133  |   |   |   | 7,101 |   |   |   | 10,562 |   |   |   | 9,244 |   |   |   | 2,576 |   |   |   | 30,616 |   |
| Substandard                                                    |   |                                               | 2,635  |   |   |   | 8,245 |   |   |   | 7,152 |   |   |   | 39,610 |   |   |   | 623 |   |   |   | 58,265 |   |
| Total real estate loans individually assigned a credit grade   |   | $                                                  | 70,717 |   |   | $ | 2,602,919 |   |   | $ | 338,270 |   |   | $ | 413,316 |   |   | $ | 3,199 |   |   | $ | 3,428,421 |   |
| Real estate loans not individually assigned a credit grade (1) |   | $                                                  | 29,995 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   | $ | 29,995 |   |
| Grade                     |   | Balance at September 30, 2012 |   |   | Balance at December 31, 2011 |   |
|---------------------------|--------|-------------------------------|--------|--------|------------------------------|--------|
| Pass (performing)         |   | $                             | 2,486  |   |                         | $      | 2,445 |   |
| Substandard (non-accrual) |   |                          | 6      |   |                         |   | 4 |   |
| Total                     |   | $                             | 2,492  |   |                         | $      | 2,449 |   |

----

| At September 30, 2012                                                  |
|------------------------------------------------------------------------|
|                                                                   | 30 to 59 Days Past Due | 60 to 89 Days Past Due | Loans 90 Days or More Past Due and Still Accruing Interest | Non-accrual (1) | Total Past Due | Current | Total Loans |
| Real Estate:                                                           |   |   |   |   |   |   |   |
|    One- to four-family residential and cooperative unit | $417 | $-  | $-  | $1,150 | $1,567 | $87,258 | $88,825 |
|    Multifamily residential and residential mixed use    | 2,494 | 4  | -  | 1,008 | 3,506 | 2,491,133 | 2,494,639 |
|    Mixed use commercial real estate                     | 1,172 | -  | -  | 721 | 1,893 | 342,053 | 343,946 |
|    Commercial real estate                               | -  | -  | -  | 7,805 | 7,805 | 387,758 | 395,563 |
|    Construction                                         | -  | -  | -  | -  | -  | 528 | 528 |
| Total real estate                                                      | $4,083 | $4  | $-  | $10,684 | $14,771 | 3,308,730 | $3,323,501 |
| Consumer                                                               | $4 | $-  | $-  | $6 | $10 | $2,482 | $2,492 |
| At December 31, 2011                                                   |
|------------------------------------------------------------------------|
|                                                                   | 30 to 59 Days Past Due | 60 to 89 Days Past Due | Loans 90 Days or More Past Due and Still Accruing Interest | Non-accrual (1) | Total Past Due | Current | Total Loans |
| Real Estate:                                                           |   |   |   |   |   |   |   |
|    One- to four-family residential and cooperative unit | $1,221 | $-  | $-  | $2,205 | $3,426 | $97,286 | $100,712 |
|    Multifamily residential and residential mixed use    | 2,589 | -  | 946 | 7,069 | 10,604 | 2,592,315 | 2,602,919 |
|    Mixed use commercial real estate                     | 4,976 | -  | -  | 5,591 | 10,567 | 327,703 | 338,270 |
|    Commercial real estate                               | 478 | -  | 2,874 | 11,083 | 14,435 | 398,881 | 413,316 |
|    Construction                                         | -  | -  | -  | -  | -  | 3,199 | 3,199 |
| Total real estate                                                      | $9,264 | $-  | $3,820 | $25,948 | $39,032 | $3,419,384 | $3,458,416 |
| Consumer                                                               | $12 | $5 | $-  | $4 | $21 | $2,428 | $2,449 |

----

|                                        | As of September 30, 2012 | As of December 31, 2011 |
|---------------------------------------------|--------------------------|-------------------------|
|                                        | No. of Loans             | Balance                 | No. of Loans | Balance |
| Outstanding principal balance at period end | 22                       | $51,241                 | 22 | $48,753 |
| TDRs on accrual status at period end        | 18                       | 43,106                  | 17 | 40,688 |
| TDRs on non-accrual status at period end    | 4                        | 8,135                   | 5 | 8,065 |
|                                                                                    | For the Three Months Ended September 30, 2012 |                                            | For the Three Months Ended September 30, 2011     |
|-----------------------------------------------------------------------------------------|-----------------------------------------------|-------------------------------------------------|---------------------------------------------------|
|                                                                                    | Number of Loans                               | Pre-ModificationOutstanding Recorded Investment | Post-Modification Outstanding Recorded Investment |   | Number of Loans | Pre-ModificationOutstanding Recorded Investment | Post-Modification Outstanding Recorded Investment |
| Loan modifications during the period   that met the definition of a TDR: |                                          |                                            |                                              |   |   |   |   |
|      One- to four-family residential and cooperative unit      | 1                                             | $330                                            | $330                                              |   | 1 | $212 | $212 |
|      Multifamily residential and residential mixed use         | -                                             | -                                          | -                                            |   | 1 | 361 | 361 |
|      Commercial real estate                                    | -                                             | -                                          | -                                            |   | 5 | 20,523 | 20,523 |
| TOTAL                                                                                   | 1                                             | $330                                            | $330                                              |   | 7 | $21,096 | $21,096 |
|                                                                                    | For the Nine Months Ended September 30, 2012 |                                            | For the Nine Months Ended September 30, 2011      |
|-----------------------------------------------------------------------------------------|----------------------------------------------|-------------------------------------------------|---------------------------------------------------|
|                                                                                    | Number of Loans                              | Pre-ModificationOutstanding Recorded Investment | Post-Modification Outstanding Recorded Investment |   | Number of Loans | Pre-ModificationOutstanding Recorded Investment | Post-Modification Outstanding Recorded Investment |
| Loan modifications during the period   that met the definition of a TDR: |                                         |                                            |                                              |   |   |   |   |
|     One- to four-family residential and cooperative unit            | 1                                            | $330                                            | $330                                              |   |   |   |   |
|      Multifamily residential and residential mixed use         | 1                                            | 459                                             | 459                                               |   | 2 | $573 | $573 |
|      Commercial real estate                                    | 2                                            | 4,430                                           | 4,430                                             |   | 5 | 20,543 | 20,543 |
| TOTAL                                                                                   | 4                                            | $5,219                                          | $5,219                                            |   | 7 | $21,096 | $21,096 |

----

----

----

| (i) | Charge-off experience |
|-----|-----------------------|

| (ii) | Economic conditions |
|------|---------------------|

| (iii) | Underwriting standards or experience |
|-------|--------------------------------------|

| (iv) | Loan concentrations |
|------|---------------------|

| (v) | Loan seasoning |
|-----|----------------|

----

| At or for the Three Months Ended September 30, 2012                                            |
|------------------------------------------------------------------------------------------------|
|                                                                                           | Real Estate Loans | Consumer Loans |
|                                                                                           | One- to Four Family Residentialand CooperativeUnit | Multifamily Residential and Residential Mixed Use | Mixed Use CommercialReal Estate | Commercial Real Estate | Construction | Total Real Estate |   |
| Beginning balance                                                                              | $258  | $14,551  | $2,181  | $3,230  | $-   | $20,220  | $23  |
| Charge-offs                                                                                    | (134) | (243) | (8) | (14) | -   | (398) | -   |
| Recoveries                                                                                     | 1  | 687  | -   | 36  | -   | 723  | -   |
| Transfer to the reserve for loan commitments                                                   | -   | -  | -  | -  | -   | -  | -   |
| Provision (credit)                                                                             | 557  | (761) | 143  | 157  | 27  | 123  | 3  |
| Ending balance                                                                                 | $682  | $14,234  | $2,316  | $3,409  | $27  | $20,668  | $26  |
|                                                                                                |   |   |   |   |   |   |   |
| Ending balance – loans individually evaluated for impairment                             | $621  | $3,319  | $1,456  | $47,587  | -   | $52,983  | $-   |
| Ending balance – loans collectively evaluated for impairment                             | 88,204  | 2,491,320  | 342,490  | 347,976  | $528  | 3,270,518  | $2,492  |
| Allowance balance associated with loans   individually evaluated for impairment | 8  | -   | -   | 543  | -   | 551  | -   |
| Allowance balance associated with loans   collectively evaluated for impairment | 674  | 14,234  | 2,316  | 2,866  | 27  | 20,117  | 26  |
| At or for the Three Months Ended September 30, 2011 |
|-----------------------------------------------------|
|                                                | Real Estate Loans | Consumer Loans |
|                                                | One- to Four Family ResidentialandCooperativeUnit | Multifamily Residential and Residential Mixed Use | Mixed Use CommercialReal Estate | Commercial Real Estate | Construction | Total Real Estate |   |
|                                                | (Dollars in Thousands) |
| Beginning balance                                   | $399  | $14,396  | $1,108  | $3,407  | $179  | $19,489  | $29  |
| Charge-offs                                         | (5) | (40) | (79) | (46) | -   | (170) | (5) |
| Recoveries                                          | -   | 1  | 14  | 12  | -   | 27  | -   |
| Transfer (to) from reserve for loan commitments     | -   | (39) | (5) | (9) | 5  | (48) | -   |
| Provision                                           | (12) | 230  | 432  | 1,562  | 1  | 2,213  | 4  |
| Ending balance                                      | $382  | $14,548  | $1,470  | $4,926  | $185  | $21,511  | $28  |
| At or for the Nine Months Ended September 30, 2012 |
|----------------------------------------------------|
|                                               | Real Estate Loans | Consumer Loans |
|                                               | One- to Four Family Residentialand CooperativeUnit | Multifamily Residential and Residential Mixed Use | Mixed Use CommercialReal Estate | Commercial Real Estate | Construction | Total Real Estate |   |
| Beginning balance                                  | $480  | $14,313  | $1,528  | $3,783  | $124  | $20,228  | $26  |
| Charge-offs                                        | (774) | (2,381) | (670) | (500) | (3) | (4,328) | (10) |
| Recoveries                                         | 17  | 773  | 11  | 37  | -   | 838  | -   |
| Transfer to the reserve for loan commitments       | -   | 52  | 5  | 25  | -   | 82  | -   |
| Provision (reduction)                              | 959  | 1,477  | 1,442  | 64  | (94) | 3,848  | 10  |
| Ending balance                                     | $682  | $14,234  | $2,316  | $3,409  | $27  | $20,668  | $26  |

----

| At or for the Nine Months Ended September 30, 2011 |
|----------------------------------------------------|
|                                               | Real Estate Loans | Consumer Loans |
|                                               | One- to Four Family ResidentialandCooperativeUnit | Multifamily Residential and Residential Mixed Use | Mixed Use CommercialReal Estate | Commercial Real Estate | Construction | Total Real Estate |   |
|                                               | (Dollars in Thousands) |
| Beginning balance                                  | $409  | $14,226  | $1,331  | $2,821  | $345  | $19,132  | $34  |
| Charge-offs                                        | (88) | (552) | (362) | (1,642) | (725) | (3,369) | (18) |
| Recoveries                                         | -   | 143  | 36  | 146  | -   | 325  | -   |
| Transfer from (to) reserve for loan commitments    | -   | 121  | (11) | 5  | 15  | 130  | -   |
| Provision                                          | 61  | 610  | 476  | 3,596  | 550  | 5,293  | 12  |
| Ending balance                                     | $382  | $14,548  | $1,470  | $4,926  | $185  | $21,511  | $28  |
|                                                                                           | As of December 31, 2011                           |
|------------------------------------------------------------------------------------------------|---------------------------------------------------|
|                                                                                           | Real Estate Loans                                 | Consumer Loans |
|                                                                                           | One- to Four Family ResidentialandCooperativeUnit | Multifamily Residential and Residential Mixed Use | Mixed Use CommercialReal Estate | Commercial Real Estate | Construction | Total Real Estate |   |
| Ending balance – loans individually evaluated for impairment                             | $2,547                                       | $10,028  | $6,739  | $51,070  | -   | $70,384  | -   |
| Ending balance – loans collectively evaluated for impairment                             | 98,165                                       | 2,592,891  | 331,531  | 362,246  | $3,199  | 3,388,032  | $2,449  |
| Allowance balance associated with loans   individually evaluated for impairment | 130                                          | 45  | 73  | 1,927  | -   | 2,175  | -   |
| Allowance balance associated with loans   collectively evaluated for impairment | 350                                          | 14,268  | 1,455  | 1,856  | 124  | 18,053  | 26  |

----

| At September 30, 2012                                |
|------------------------------------------------------|
|                                                 | Unpaid Principal Balance at Period End | Recorded Investmentat Period End | Reserve Balance Allocated within the Allowance for Loan Losses at Period End |
| One- to Four Family Residential and Cooperative Unit |   |   |   |
|    With no allocated reserve          | $409  | $409  | -  |
|    With an allocated reserve          | 212  | 212  | $8  |
| Multifamily Residential and Residential Mixed Use    |   |   |   |
|    With no allocated reserve          | 3,319 | 3,319 | -  |
|    With an allocated reserve          | -  | -  | -  |
| Mixed Use Commercial Real Estate                     |   |   |   |
|    With no allocated reserve          | 1,456 | 1,456 | -  |
|    With an allocated reserve          | -  | -  | -  |
| Commercial Real Estate                               |   |   |   |
|    With no allocated reserve          | 32,329 | 32,329 | -  |
|    With an allocated reserve          | 15,258 | 15,258 | 543 |
| Construction                                         |   |   |   |
|    With no allocated reserve          | -  | -  | -  |
|    With an allocated reserve          | -  | -  | -  |
| Total                                                |   |   |   |
|    With no allocated reserve          | $37,513 | $37,513 | $-  |
|    With an allocated reserve          | $15,470 | $15,470 | $551 |

----

|  At December 31, 2011                           |
|------------------------------------------------------|
|                                                 | Unpaid Principal Balance at Period End | Recorded Investmentat Period End | Reserve Balance Allocated within the Allowance for Loan Losses at Period End |
| One- to Four Family Residential and Cooperative Unit |   |   |   |
|    With no allocated reserve          | $1,136 | $1,136 | $-  |
|    With an allocated reserve          | 1,411 | 1,411 | 130 |
| Multifamily Residential and Residential Mixed Use    |   |   |   |
|    With no allocated reserve          | 9,338 | 9,338 | -  |
|    With an allocated reserve          | 690 | 690 | 45 |
| Mixed Use Commercial Real Estate                     |   |   |   |
|    With no allocated reserve          | 5,780 | 5,780 | -  |
|    With an allocated reserve          | 959 | 959 | 73 |
| Commercial Real Estate                               |   |   |   |
|    With no allocated reserve          | 11,812 | 11,812 | -  |
|    With an allocated reserve          | 39,258 | 39,258 | 1,927 |
| Construction                                         |   |   |   |
|    With no allocated reserve          | -  | -  | -  |
|    With an allocated reserve          | -  | -  | -  |
| Total                                                |   |   |   |
|    With no allocated reserve          | $28,066 | $28,066 | $-  |
|    With an allocated reserve          | $42,318 | $42,318 | $2,175 |
|                                                 | Three Months EndedSeptember 30, 2012 |                      | Three Months EndedSeptember 30, 2011 |                        | Nine Months EndedSeptember 30, 2012 |   | Nine Months EndedSeptember 30, 2011 |
|------------------------------------------------------|--------------------------------------|---------------------------|--------------------------------------|-----------------------------|-------------------------------------|--------|-------------------------------------|
|                                                 | Average Recorded Investment          | InterestIncome Recognized |                                 | Average Recorded Investment | InterestIncome Recognized           |   | Average Recorded Investment         | InterestIncome Recognized |   | Average Recorded Investment | InterestIncome Recognized |
| One- to Four Family Residential and Cooperative Unit |                                 |                      |                                 |                        |                                |   |                                |   |   |   |   |
|    With no allocated reserve          | $629                                 | $15                       |                                 | $1,121                      | $7                                  |   | $814                                | $48 |   | $1,475 | $24 |
|    With an allocated reserve          | 212                                  | 5                         |                                 | 706                         | -                              |   | 511                                 | 14 |   | 353 | -  |
| Multifamily Residential and Residential Mixed Use    |                                 |                      |                                 |                        |                                |   |                                |   |   |   |   |
|    With no allocated reserve          | 4,787                                | 49                        |                                 | 10,904                      | 181                                 |   | 6,178                               | 305 |   | 11,912 | 427 |
|    With an allocated reserve          | -                               | -                    |                                 | 6,549                       | 82                                  |   | 525                                 | -  |   | 3,275 | 82 |
| Mixed Use Commercial Real Estate                     |                                 |                      |                                 |                        |                                |   |                                |   |   |   |   |
|    With no allocated reserve          | 1,459                                | 12                        |                                 | 3,131                       | 67                                  |   | 2,670                               | 56 |   | 3,431 | 152 |
|    With an allocated reserve          | -                               | -                    |                                 | 4,253                       | 8                                   |   | 240                                 | -  |   | 2,126 | 8 |
| Commercial Real Estate                               |                                 |                      |                                 |                        |                                |   |                                |   |   |   |   |
|    With no allocated reserve          | 35,596                               | 404                       |                                 | 17,290                      | 141                                 |   | 28,648                              | 1,318 |   | 16,100 | 286 |
|    With an allocated reserve          | 15,284                               | 189                       |                                 | 13,573                      | 51                                  |   | 21,290                              | 567 |   | 9,711 | 310 |
| Construction                                         |                                 |                      |                                 |                        |                                |   |                                |   |   |   |   |
|    With no allocated reserve          | -                               | -                    |                                 | 4,883                       | -                              |   | -                              | -  |   | 4,137 | 213 |
|    With an allocated reserve          | -                               | -                    |                                 | -                      | -                              |   | -                              | -  |   | -  | -  |
| Total                                                |                                 |                      |                                 |                        |                                |   |                                |   |   |   |   |
|    With no allocated reserve          | $40,471                              | $480                      |                                 | $37,329                     | $396                                |   | $38,310                             | $1,727 |   | $37,055 | $1,102  |
|    With an allocated reserve          | $15,496                              | $194                      |                                 | $25,083                     | $141                                |   | $22,566                             | $581 |   | $15,465 | $400  |

----

|                                                                     |   | At or for the Three Months Ended September 30, |    |   | At or for the Nine Months Ended September 30, |    |
|--------------------------------------------------------------------------|--------|------------------------------------------------|---------|--------|-----------------------------------------------|---------|
|                                                                     |   | 2012                                           |    |   | 2011                                          |    |   | 2012 |   |   | 2011 |   |
| Outstanding balance of multifamily loans serviced for FNMA at period end |   | $                                              | 279,830 |   |                                          | $       | 318,113 |   |   | $ | 279,830 |   |   | $ | 318,113 |   |
| Total First Loss Position at end of period                               |   |                                           | 16,356  |   |                                          |    | 16,356 |   |   |   | 16,356 |   |   |   | 16,356 |   |
| Liability on the First Loss Position                                     |   |                                           |    |   |                                          |    |   |   |   |   |   |   |   |   |   |   |
| Balance at beginning of period                                           |   | $                                              | 1,684   |   |                                          | $       | 2,993 |   |   | $ | 2,993 |   |   | $ | 2,993 |   |
| Transfer of specific reserve for serviced loans re-acquired by the Bank  |   |                                           | -       |   |                                          | ‐ |   |   |   | - |   |   | ‐ |   |
| Credit for losses on problem loans(1)                                    |   |                                           | (140    | )      |                                          | ‐ |   |   |   | (1,107 | ) |   | ‐ |   |
| Charge-offs and other net reductions in balance                          |   |                                           | -       |   |                                          | ‐ |   |   |   | (342 | ) |   | ‐ |   |
| Balance at period end                                                    |   | $                                              | 1,544   |   |                                          | $       | 2,993 |   |   | $ | 1,544 |   |   | $ | 2,993 |   |
|                                                                          |   |                                           |    |   |                                          |    |   |   |   |   |   |   |   |   |   |   |
|                                                                           |   |                                     |   |   |                                        |   |   | Unrealized Gains or Losses Recognized in Accumulated Other Comprehensive Loss |   |   |                 |   |   |                   |   |   |            |   |
|--------------------------------------------------------------------------------|--------|-------------------------------------|--------|--------|----------------------------------------|--------|--------|-------------------------------------------------------------------------------|--------|--------|-----------------|--------|--------|-------------------|--------|--------|------------|--------|
|                                                                           |   | PurchaseAmortized / Historical Cost |   |   | Recorded Amortized/Historical Cost (1) |   |   | Non-CreditOTTI                                                                |   |   | UnrealizedGains |   |   | Unrealized Losses |   |   | Book Value |   |   | Other Unrecognized Gains |   |   | FairValue |   |
| Investment securities held-to-maturity:                                        |   |                                     |   |   |                                        |   |   |                                                                               |   |   |                 |   |   |                   |   |   |            |   |   |  |   |   |  |   |
| Pooled bank trust preferred securities ("TRUPS")                               |   | $                                   | 16,846 |   |                                   | $      | 7,901  |                                                                          |   | $      | (642            | )      |   |              | -      |   |       | $      | (1,303 | )(2) |   | $ | 5,956 |   |   | $ | 288 |   |   | $ | 6,244 |   |
| Investment securities available for sale:                                      |   |                                |   |   |                                   |   |   |                                                                          |   |   |            |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Registered Mutual Funds                                                        |   |                                | 5,123  |   |                                   |   | 3,698  |                                                                          |   |   | -               |   |   |              | 1,341  |   |       |   | - |   |   |   | 5,039 |   |   |   | - |   |   |   | 5,039 |   |
| Agency notes                                                                   |   |                                | 49,818 |   |                                   |   | 49,818 |                                                                          |   |   | -               |   |   |              | 169    |   |       |   | - |   |   |   | 49,987 |   |   |   | - |   |   |   | 49,987 |   |
| Pass-through MBS issued by GSEs                                                |   |                                | 49,239 |   |                                   |   | 49,239 |                                                                          |   |   | -               |   |   |              | 3,509  |   |       |   | - |   |   |   | 52,748 |   |   |   | - |   |   |   | 52,748 |   |
| Collateralized mortgage obligations ("CMOs")     issued by GSEs |   |                                | 26,824 |   |                                   |   | 26,824 |                                                                          |   |   | -               |   |   |              | 136    |   |       |   | - |   |   |   | 26,960 |   |   |   | - |   |   |   | 26,960 |   |
| Private issuer pass through MBS                                                |   |                                | 1,068  |   |                                   |   | 1,068  |                                                                          |   |   | -               |   |   |              | -      |   |       |   | (24 | ) |   |   | 1,044 |   |   |   | - |   |   |   | 1,044 |   |
| Private issuer CMOs                                                            |   |                                | 1,015  |   |                                   |   | 1,015  |                                                                          |   |   | -               |   |   |              | 25     |   |       |   | - |   |   |   | 1,040 |   |   |   | - |   |   |   | 1,040 |   |

----

|                                      |   |                                     |    |   |                                        |   |    | Unrealized Gains or Losses Recognized in Accumulated Other Comprehensive Loss |   |   |                 |   |   |                   |   |   |            |    |
|-------------------------------------------|--------|-------------------------------------|---------|--------|----------------------------------------|--------|---------|-------------------------------------------------------------------------------|--------|--------|-----------------|--------|--------|-------------------|--------|--------|------------|---------|
|                                      |   | PurchaseAmortized / Historical Cost |    |   | Recorded Amortized/Historical Cost (1) |   |    | Non-CreditOTTI                                                                |   |   | UnrealizedGains |   |   | Unrealized Losses |   |   | Book Value |    |   | Other Unrecognized Gains |   |   | FairValue |   |
| Investment securities held-to-maturity:   |   |                                     |    |   |                                        |   |    |                                                                               |   |   |                 |   |   |                   |   |   |            |    |   |  |   |   |  |   |
| TRUPS                                     |   | $                                   | 17,884  |   |                                   | $      | 8,910   |                                                                          |   | $      | (929            | )      |   |              | -      |   |       | $       | (1,470 | )(2) |   | $ | 6,511 |   |   | $ | (1,587) |   |   | $ | 4,924 |   |
| Investment securities available for sale: |   |                                |    |   |                                   |   |    |                                                                          |   |   |            |   |   |              |   |   |       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Registered Mutual Funds                   |   |                                | 5,049   |   |                                   |   | 3,624   |                                                                          |   |   | -               |   |   |              | 935    |   |       |    | - |   |   |   | 4,559 |   |   | ‐ |   |   |   | 4,559 |   |
| Agency notes                              |   |                                | 170,362 |   |                                   |   | 170,362 |                                                                          |   |   | -               |   |   |              | 37     |   |       |    | (90 | ) |   |   | 170,309 |   |   | ‐ |   |   |   | 170,309 |   |
| Pass-through MBS issued by GSEs           |   |                                | 71,008  |   |                                   |   | 71,008  |                                                                          |   |   | -               |   |   |              | 4,554  |   |       | ‐ |   |   |   | 75,562 |   |   | ‐ |   |   |   | 75,562 |   |
| CMOs issued by GSEs                       |   |                                | 15,128  |   |                                   |   | 15,128  |                                                                          |   |   | -               |   |   |              | 261    |   |       | ‐ |   |   |   | 15,389 |   |   | ‐ |   |   |   | 15,389 |   |
| Private issuer pass through MBS           |   |                                | 1,614   |   |                                   |   | 1,614   |                                                                          |   |   | -               |   |   |              | -      |   |       |    | (110 | ) |   |   | 1,504 |   |   | ‐ |   |   |   | 1,504 |   |
| Private issuer CMOs                       |   |                                | 1,400   |   |                                   |   | 1,400   |                                                                          |   |   | -               |   |   |              | 22     |   |       |    | - |   |   |   | 1,422 |   |   |   | - |   |   |   | 1,422 |   |
|                                   |   | Amortized Cost |   |   | Estimated Fair Value |   |
|----------------------------------------|--------|----------------|--------|--------|----------------------|--------|
| One year or less                       |   | $              | -      |   |                 | $      | - |   |
| Due after one year through five years  |   |           | 49,818 |   |                 |   | 49,987 |   |
| Due after five years through ten years |   |           | -      |   |                 |   | - |   |
|    TOTAL                |   | $              | 49,818 |   |                 | $      | 49,987 |   |
|                                              |   | At or for the Three Months Ended September 30, 2012 |   |   | At or for the Three Months Ended September 30, 2011                |   |
|---------------------------------------------------|--------|-----------------------------------------------------|--------|--------|--------------------------------------------------------------------|--------|
|                                              |   | Credit Related OTTI Recognized in Earnings          |   |   | Non-Credit OTTI Recognized in Accumulated Other Comprehensive Loss |   |   | Total OTTI |   |   | Credit Related OTTI Recognized in Earnings |   |   | Non-Credit OTTI Recognized in Accumulated Other Comprehensive Loss |   |   | Total OTTI |   |
| Cumulative balance at the beginning of the period |   | $                                                   | 8,945  |   |                                                               | $      | 655 |   |   | $ | 9,600 |   |   | $ | 8,883 |   |   | $ | 951 |   |   | $ | 9,834 |   |
| OTTI recognized on securities with previous OTTI  |   |                                                | -      |   |                                                               |   | - |   |   |   | - |   |   |   | 59 |   |   |   | 24 |   |   |   | 83 |   |
| Reductions and transfers to credit-related OTTI   |   |                                                | -      |   |                                                               |   | - |   |   |   | - |   |   | -  |   |   |   | - |   |   |   | - |   |
| Amortization of previously recognized OTTI        |   |                                                | -      |   |                                                               |   | (14 | ) |   |   | (14 | ) |   | -  |   |   |   | (9 | ) |   |   | (9 | ) |
| Cumulative balance at end of the period           |   | $                                                   | 8,945  |   |                                                               | $      | 641 |   |   | $ | 9,586 |   |   | $ | 8,942 |   |   | $ | 966 |   |   | $ | 9,908 |   |

----

|                                              | At or for the Nine Months Ended September 30, 2012 |                                                               | At or for the Nine Months Ended September 30, 2011 |
|---------------------------------------------------|----------------------------------------------------|--------------------------------------------------------------------|----------------------------------------------------|
|                                              | Credit Related OTTI Recognized in Earnings         | Non-Credit OTTI Recognized in Accumulated Other Comprehensive Loss | Total OTTI                                         |   | Credit Related OTTI Recognized in Earnings | Non-Credit OTTI Recognized in Accumulated Other Comprehensive Loss | Total OTTI |
| Cumulative balance at the beginning of the period | $8,974                                        | $930                                                          | $9,904                                        |   | $8,247  | $2,203  | $10,450  |
| OTTI recognized on securities with previous OTTI  | 181                                           | 6                                                             | 187                                           |   | 695  | 25  | 720  |
| Reductions and transfers to credit-related OTTI   | -                                        | (181)                                                              | (181)                                              |   | -   | (1,245) | (1,245) |
| Amortization of previously recognized OTTI        | (210)                                              | (114)                                                              | (324)                                              |   | -   | (17) | (17) |
| Cumulative balance at end of the period           | $8,945                                        | $641                                                          | $9,586                                        |   | $8,942  | $966  | $9,908  |

|                            |   | Less than 12 Months ConsecutiveUnrealized Losses |   |   | 12 Months or More ConsecutiveUnrealized Losses |   |   | Total      |   |
|---------------------------------|--------|--------------------------------------------------|--------|--------|------------------------------------------------|--------|--------|------------|--------|
|                            |   | Fair Value                                       |   |   | Gross Unrecognized/Unrealized Losses           |   |   | Fair Value |   |   | Gross Unrecognized/Unrealized Losses |   |   | Fair Value |   |   | Gross Unrecognized/Unrealized Losses |   |
| Held-to-Maturity Securities:    |   |                                                  |   |   |                                                |   |   |            |   |   |  |   |   |  |   |   |  |   |
| TRUPS (1)                       |   | $                                                | -      |   |                                           | $      | -      |       |   | $ | 3,672 |   |   | $ | 1,838 |   |   | $ | 3,672 |   |   | $ | 1,838 |   |
| Available-for-Sale Securities:  |   |                                             |   |   |                                           |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Private issuer pass through MBS |   |                                             | -      |   |                                           |   | -      |       |   |   | 1,044 |   |   |   | 24 |   |   |   | 1,044 |   |   |   | 24 |   |
|    TOTAL         |   | $                                                | -      |   |                                           | $      | -      |       |   | $ | 4,716 |   |   | $ | 1,862 |   |   | $ | 4,716 |   |   | $ | 1,862 |   |

| · | Based upon an internal review of the collateral backing the TRUPS portfolio, which accounted for current and prospective deferrals, both of the securities could reasonably be expected to continue making all contractual payments |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Company had the intent and ability to hold these securities until they fully recover their impairment, evidenced by the election to reclassify them as held-to-maturity in 2008 |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | There were no cash or working capital requirements nor contractual or regulatory obligations that would compel the Company to sell either of these securities prior to their forecasted recovery or maturity |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Each security has a pool of underlying issuers comprised primarily of banks |
|--------|-----------------------------------------------------------------------------|

| · | Each security featured either a mandatory auction or a de-leveraging mechanism that could result in principal repayments to the Bank prior to the stated maturity of the security |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                            |   | Less than 12 Months ConsecutiveUnrealized Losses |    |   | 12 Months or More ConsecutiveUnrealized Losses |   |   | Total      |   |
|---------------------------------|--------|--------------------------------------------------|---------|--------|------------------------------------------------|--------|--------|------------|--------|
|                            |   | Fair Value                                       |    |   | Gross Unrecognized/Unrealized Losses           |   |   | Fair Value |   |   | Gross Unrecognized/Unrealized Losses |   |   | Fair Value |   |   | Gross Unrecognized/Unrealized Losses |   |
| Held-to-Maturity Securities:    |   |                                                  |    |   |                                                |   |   |            |   |   |  |   |   |  |   |   |  |   |
| TRUPS (1)                       |   |                                             | -       |   |                                           |   | -      |       |   | $ | 4,924 |   |   | $ | 3,986 |   |   | $ | 4,924 |   |   | $ | 3,986 |   |
| Available-for-Sale Securities:  |   |                                             |    |   |                                           |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Agency notes                    |   | $                                                | 114,885 |   |                                           | $      | 90     |       |   |   | - |   |   |   | - |   |   |   | 114,885 |   |   |   | 90 |   |
| Private issuer pass through MBS |   |                                             | -       |   |                                           |   | -      |       |   |   | 1,505 |   |   |   | 109 |   |   |   | 1,505 |   |   |   | 109 |   |
|    TOTAL         |   | $                                                | 114,885 |   |                                           | $      | 90     |       |   | $ | 6,429 |   |   | $ | 4,095 |   |   | $ | 121,314 |   |   | $ | 4,185 |   |

----

| Assets Measured at Fair Value on a Recurring Basis at September 30, 2012 |   |   |        |   |
|--------------------------------------------------------------------------|--------|--------|--------|--------|
|                                                                     |   |        |   |   | Fair Value Measurements Using |   |   |  |   |
| Description                                                              |   | Total  |   |   | Level 1 Inputs |   |   | Level 2Inputs |   |   | Level 3 Inputs |   |   | Losses for theThree Months and Nine Months EndedSeptember 30, 2012 |   |
| Trading securities (Registered Mutual Funds):                            |   |        |   |   |  |   |   |  |   |   |  |   |   |  |   |
|    Domestic Equity Mutual Funds                           |   | $      | 919    |   |   | $ | 919 |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |
|    International Equity Mutual Funds                      |   |   | 121    |   |   |   | 121 |   |   |   | - |   |   |   | - |   |   |   | - |   |
|    Fixed Income Mutual Funds                              |   |   | 2,392  |   |   |   | 2,392 |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Investment securities available-for-sale:                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | - |   |
|    Agency notes                                           |   |   | 49,987 |   |   |   | - |   |   |   | 49,987 |   |   |   | - |   |   |   | - |   |
|    Registered Mutual Funds:                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       Domestic Equity Mutual Funds         |   |   | 3,563  |   |   |   | 3,563 |   |   |   | - |   |   |   | - |   |   |   | - |   |
|       International Equity Mutual Funds    |   |   | 335    |   |   |   | 335 |   |   |   | - |   |   |   | - |   |   |   | - |   |
|       Fixed Income Mutual Funds            |   |   | 1,141  |   |   |   | 1,141 |   |   |   | - |   |   |   | - |   |   |   | - |   |
| MBS available-for-sale                                                   |   |   | 81,792 |   |   |   | - |   |   |   | 81,792 |   |   |   | - |   |   |   | - |   |
| Assets Measured at Fair Value on a Recurring Basis at December 31, 2011 |   |   |         |   |
|-------------------------------------------------------------------------|--------|--------|---------|--------|
|                                                                    |   |        |    |   | Fair Value Measurements Using |   |   |  |   |
| Description                                                             |   | Total  |    |   | Level 1 Inputs |   |   | Level 2 Inputs |   |   | Level 3 Inputs |   |   | Losses for theThree Months and Nine Months EndedSeptember 30, 2011 |   |
| Trading Securities (Registered Mutual Funds)                            |   |        |    |   |  |   |   |  |   |   |  |   |   |  |   |
|    Domestic Equity Mutual Funds                          |   | $      | 780     |   |   | $ | 780 |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |
|    International Equity Mutual Funds                     |   |   | 108     |   |   |   | 108 |   |   |   | - |   |   |   | - |   |   |   | - |   |
|    Fixed Income Mutual Funds                             |   |   | 886     |   |   |   | 886 |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Investment securities available-for-sale:                               |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Agency notes                                          |   |   | 170,309 |   |   |   | - |   |   |   | 170,309 |   |   |   | - |   |   |   | - |   |
|    Registered Mutual Funds:                              |   |   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       Domestic Equity Mutual Funds        |   |   | 3,162   |   |   |   | 3,162 |   |   |   | - |   |   |   | - |   |   |   | - |   |
|       International Equity Mutual Funds   |   |   | 315     |   |   |   | 315 |   |   |   | - |   |   |   | - |   |   |   | - |   |
|       Fixed Income Mutual Funds           |   |   | 1,082   |   |   |   | 1,082 |   |   |   | - |   |   |   | - |   |   |   | - |   |
| MBS available-for-sale                                                  |   |   | 93,877  |   |   |   | - |   |   |   | 93,877 |   |   |   | - |   |   |   | - |   |
| Description                             |   | Percentage of Total    |   | Valuation Level |
|-----------------------------------------|--------|------------------------|--------|-----------------|
| Agency notes                            |   | 36.5%                  |   | Two             |
| Pass Through MBS or CMOs issued by GSEs |   | 58.3    |   | Two             |
| Mutual fund investments                 |   | 3.7     |   | One             |
| Private issuer MBS or CMOs              |   | 1.5     |   | Two             |

----

| Description                             |   | Percentage of Total    |   | Valuation Level |
|-----------------------------------------|--------|------------------------|--------|-----------------|
| Agency notes                            |   | 63.4%                  |   | Two             |
| Pass Through MBS or CMOs issued by GSEs |   | 33.8    |   | Two             |
| Mutual fund investments                 |   | 1.7     |   | One             |
| Private issuer MBS or CMOs              |   | 1.1     |   | Two             |
| Assets Measured at Fair Value on a Non-Recurring Basis at September 30, 2012                                                         |   |   |        |   |                          |        |   |
|--------------------------------------------------------------------------------------------------------------------------------------|--------|--------|--------|--------|-------------------------------|--------|--------|
|                                                                                                                                 |   |        |   |   | Fair Value Measurements Using |   |   |  |   |   |  |   |
| Description                                                                                                                          |   | Total  |   |   | Level 1 Inputs                |   |   | Level 2 Inputs |   |   | Level 3 Inputs |   |   | Losses for the Three Months EndedSeptember 30, 2012 |   |   | Losses for the Nine Months EndedSeptember 30, 2012 |   |
| Impaired loans:                                                                                                                      |   |        |   |   |                               |   |   |  |   |   |  |   |   |  |   |   |  |   |
|    One- to Four Family Residential and        Cooperative Unit                |   | $      | 211    |   |                          | $      | -      |   |   | $ | - |   |   | $ | 211 |   |   | $ | - |   |   | $ | 221 | (1) |
|     Multifamily Residential and Residential        Mixed Use Real Estate |   |   | 450    |   |                          |   | -      |   |   |   | - |   |   |   | 450 |   |   |   | 243 | (1) |   |   | 2,295 | (1) |
|     Mixed Use Commercial Real Estate                                                                             |   |   | 721    |   |                          |   | -      |   |   |   | - |   |   |   | 721 |   |   |   | 8(1 | ) |   |   | 659 | (1) |
|     Commercial Real Estate                                                                                       |   |   | 6,472  |   |                          |   | -      |   |   |   | 5,500 |   |   |   | 972 |   |   |   | 14 | (1) |   |   | 498 | (1) |

----

| Assets Measured at Fair Value on a Non-Recurring Basis at December 31, 2011                                                          |  |       |       |  |                               |         |   |
|--------------------------------------------------------------------------------------------------------------------------------------|--|-------|-------|--|-------------------------------|---------|---|
|                                                                                                                                 |  |       |       |  | Fair Value Measurements Using |         |   |  |  |  |  |  |
| Description                                                                                                                          |  | Total |       |  | Level 1 Inputs                |         |   | Level 2 Inputs |  |  | Level 3 Inputs |  |  | Losses for the Three Months EndedSeptember 30, 2011 |  |  | Losses for the Nine Months EndedSeptember 30, 2011 |  |
| TRUPS(1)                                                                                                                             |  | $     | 285   |  |                               | $       | - |  |  | $ | - |  |  | $ | 285 |  |  | $ | 83 |  |  | $ | 720 |  |
| Impaired loans                                                                                                                       |  |       |       |  |                               |         |   |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|    One- to Four Family Residential and        Cooperative Unit                |  |       | 2,013 |  |                               |         | - |  |  |  | - |  |  |  | 2,013 |  |  |  | - |  |  | ‐ |  |
|     Multifamily Residential and Residential        Mixed Use Real Estate |  |       | 1,932 |  |                               |         | - |  |  |  | - |  |  |  | 1,932 |  |  |  | 39 | (2) |  |  | 409 | (2) |
|     Mixed Use Commercial Real Estate                                                                             |  |       | 2,687 |  |                               | ‐ |   |  |  | - |  |  |  | 2,687 |  |  |  | 65 | (2) |  |  | 325 | (2) |
|     Commercial Real Estate                                                                                       |  |       | 8,945 |  |                               |         | - |  |  |  | 5,500 |  |  |  | 3,445 |  |  |  | 44 | (2) |  |  | 1,506 | (2) |
|     Construction                                                                                                 |  |       |       |  |                               |         |   |  |  |  |  |  |  |  |  |  |  |  | - |  |  |  | 725 | (2) |
| Fair Value Derived | Valuation Technique Utilized                   | Significant Unobservable Input(s)                                                         | Range of Values | Weighted Average Value |
|--------------------|------------------------------------------------|-------------------------------------------------------------------------------------------|-----------------|------------------------|
| $207               | Income approach only                           | Capitalization rate                                                                       | N/A*            | 7.5%                   |
|               |                                           | Reduction for planned expedited disposal                                                  | N/A*            | 10%                    |
|               |                                           |                                                                                      |            |                   |
| 4,842              | Blended income and sales comparison approaches | Reduction to the sales comparison value to reconcile differences between comparable sales | 0.0%-28.0%      | 8.0%                   |
|               |                                           | Capitalization rate (income approach component)                                           | 7.0%-8.5%       | 7.6%                   |
|               |                                           | Reduction in the expected net operating income (income approach component)                | 0.0%-6.0%       | 1.3%                   |
|               |                                           | Reduction for planned expedited disposal                                                  | 0.0%-27.5%      | 12.8%                  |

----

|                                                |           |   | Fair Value at September 30, 2012 Using |          |
|-----------------------------------------------------|----------------|--------|----------------------------------------|---------------|
| At September 30, 2012                               | CarryingAmount |   | Level 1Inputs                          | Level 2Inputs | Level 3Inputs | Total |
| Assets:                                             |           |   |                                   |          |   |   |
| Cash and due from banks                             | $194,702       |   | $194,702                               | -        | -  | $194,702 |
| Federal funds sold and other short-term investments | 59,999         |   | 59,999                                 | -        | -  | 59,999 |
| Investment securities held to maturity (TRUPS)      | 5,956          |   | -                                 | -        | 6,244 | 6,244 |
| Loans, net                                          | 3,305,299      |   | -                                 | 5,500    | 3,423,893 | 3,429,393 |
| Loans held for sale                                 | 387            |   | -                                 | 387           | -  | 387 |
| Accrued interest receivable                         | 13,616         |   | -                                 | 543           | 13,073 | 13,616 |
| Mortgage servicing rights ("MSR")                   | 1,190          |   | -                                 | 1,631         | -  | 1,631 |
| FHLBNY capital stock                                | 41,636         |   | N/A                                    | N/A           | N/A | N/A |
| Liabilities:                                        |           |   |                                   |          |   |   |
| Savings, money market and checking accounts         | 1,494,148      |   | 1,494,148                              | -        | -  | 1,494,148 |
| Certificates of Deposit ("CDs")                     | 925,018        |   | -                                 | 942,077       | -  | 942,077 |
| Escrow and other deposits                           | 111,066        |   | 111,066                                | -        | -  | 111,066 |
| REPOS                                               | 155,000        |   | -                                 | 179,631       | -  | 179,631 |
| FHLBNY Advances                                     | 767,500        |   | -                                 | 815,343       | -  | 815,343 |
| Trust Preferred securities payable                  | 70,680         |   | -                                 | 68,560        | -  | 68,560 |
| Accrued interest payable                            | 3,668          |   | -                                 | 3,668         | -  | 3,668 |
| Commitments to extend credit                        | 1,563          |   | 1,563                                  | -        | -  | 1,563 |
| At December 31, 2011                                | Carrying Amount | Fair Value |
|-----------------------------------------------------|-----------------|------------|
| Assets:                                             |            |       |
| Cash and due from banks                             | $43,309         | $43,309    |
| Federal funds sold and other short-term investments | 951             | 951        |
| Investment securities held to maturity (TRUPS)      | 6,511           | 4,924      |
| Loans, net                                          | 3,440,611       | 3,578,599  |
| Loans held for sale                                 | 3,022           | 3,022      |
| Accrued interest receivable                         | 15,469          | 15,469     |
| MSR                                                 | 1,604           | 2,139      |
| FHLBNY capital stock                                | 49,489          | N/A        |
| Liabilities:                                        |            |       |
| Savings, money market and checking accounts         | 1,366,150       | 1,366,150  |
| CDs                                                 | 977,551         | 996,022    |
| Escrow and other deposits                           | 71,812          | 71,812     |
| REPOS                                               | 195,000         | 223,728    |
| FHLBNY Advances                                     | 939,775         | 991,117    |
| Trust Preferred securities payable                  | 70,680          | 67,146     |
| Accrued interest payable                            | 3,997           | 3,997      |
| Commitments to extend credit                        | 917             | 917        |

----

| (1) | Purchase discount rate – the rate used to determine the "credit" based valuation of the security.  The purchase discount rates utilized to compute fair value as of September 30, 2012 ranged from 1.8% to 2.7%, with a weighted average value of 2.4%. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                                                                           |   | Three Months EndedSeptember 30, 2012              |   |   | Three Months EndedSeptember 30, 2011 |   |
|--------------------------------------------------------------------------------|--------|---------------------------------------------------|--------|--------|--------------------------------------|--------|
|                                                                           |   | BMP,Employee and Outside DirectorRetirement Plans |   |   | Postretirement Plan                  |   |   | BMP,Employee and Outside DirectorRetirement Plans |   |   | PostretirementPlan |   |
|                                                                           |   |                                                   |   |   |                                      |   |   |  |   |   |  |   |
| Service cost                                                                   |   | $                                                 | -      |   |                                 | $      | 39 |   |   | $ | - |   |   | $ | 33 |   |
| Interest cost                                                                  |   |                                              | 306    |   |                                 |   | 90 |   |   |   | 339 |   |   |   | 86 |   |
| Actuarial adjustment to prior period  interest cost and amortization |   |                                              | -      |   |                                 |   | - |   |   |   | - |   |   |   | - |   |
| Expected return on assets                                                      |   |                                              | (363   | )      |                                 |   | - |   |   |   | (361 | ) |   |   | - |   |
| Unrecognized past service liability                                            |   |                                              | -      |   |                                 |   | - |   |   |   | - |   |   |   | - |   |
| Amortization of unrealized loss                                                |   |                                              | 541    |   |                                 |   | 75 |   |   |   | 312 |   |   |   | 29 |   |
| Net periodic cost                                                              |   | $                                                 | 484    |   |                                 | $      | 204 |   |   | $ | 290 |   |   | $ | 148 |   |

----

|                                                                           |   | Nine Months Ended September 30, 2012              |   |   | Nine Months Ended September 30, 2011 |   |
|--------------------------------------------------------------------------------|--------|---------------------------------------------------|--------|--------|--------------------------------------|--------|
|                                                                           |   | BMP,Employee and Outside DirectorRetirement Plans |   |   | Postretirement Plan                  |   |   | BMP,Employee and Outside DirectorRetirement Plans |   |   | PostretirementPlan |   |
|                                                                           |   |                                                   |   |   |                                      |   |   |  |   |   |  |   |
| Service cost                                                                   |   | $                                                 | -      |   |                                 | $      | 117 |   |   | $ | - |   |   | $ | 99 |   |
| Interest cost                                                                  |   |                                              | 918    |   |                                 |   | 270 |   |   |   | 1,017 |   |   |   | 258 |   |
| Actuarial adjustment to prior period  interest cost and amortization |   |                                              | -      |   |                                 |   | - |   |   |   | - |   |   |   | - |   |
| Expected return on assets                                                      |   |                                              | (1,089 | )      |                                 |   | - |   |   |   | (1,083 | ) |   |   | - |   |
| Unrecognized past service liability                                            |   |                                              | -      |   |                                 |   | - |   |   |   | - |   |   |   | - |   |
| Amortization of unrealized loss                                                |   |                                              | 1,623  |   |                                 |   | 225 |   |   |   | 936 |   |   |   | 87 |   |
| Net periodic cost                                                              |   | $                                                 | 1,452  |   |                                 | $      | 612 |   |   | $ | 870 |   |   | $ | 444 |   |
|                                                 |   | Three Months EndedSeptember 30, |   |   | Nine Months EndedSeptember 30, |   |
|------------------------------------------------------|--------|---------------------------------|--------|--------|--------------------------------|--------|
|                                                 |   | 2012                            |   |   | 2011                           |   |   | 2012 |   |   | 2011 |   |
| Gain (loss) on the sale of loans originated for sale |   | $                               | 20     |   |                           | $      | 6 |   |   | $ | 26 |   |   | $ | (8 | ) |
| Credit to the liability for First Loss Position      |   |                            | 140    |   |                           |   | - |   |   |   | 1,107 |   |   |   | - |   |
| Mortgage banking fees                                |   |                            | 99     |   |                           |   | 130 |   |   |   | 342 |   |   |   | 441 |   |
| Net mortgage banking income                          |   | $                               | 259    |   |                           | $      | 136 |   |   | $ | 1,475 |   |   | $ | 433 |   |

----

----

----

|                                                                    |   | At or For the Three Months Ended September 30, |   |   | At or For the Nine Months Ended September 30, |   |
|-------------------------------------------------------------------------|--------|------------------------------------------------|--------|--------|-----------------------------------------------|--------|
|                                                                    |   | 2012                                           |   |   | 2011                                          |   |   | 2012 |   |   | 2011 |   |
| Performance and Other Selected Ratios:                                  |   |                                                |   |   |                                               |   |   |  |   |   |  |   |
| Return on Average Assets                                                |   |                                           | 1.21   | %      |                                          |   | 1.10 | % |   |   | 1.13 | % |   |   | 1.12 | % |
| Return on Average Stockholders' Equity                                  |   |                                           | 12.32  |   |                                          |   | 12.70 |   |   |   | 11.98 |   |   |   | 13.46 |   |
| Stockholders' Equity to Total Assets                                    |   |                                           | 9.80   |   |                                          |   | 8.78 |   |   |   | 9.80 |   |   |   | 8.78 |   |
| Loans to Deposits at End of Period                                      |   |                                           | 137.50 |   |                                          |   | 144.06 |   |   |   | 137.50 |   |   |   | 144.06 |   |
| Loans to Earning Assets at End of Period                                |   |                                           | 88.48  |   |                                          |   | 91.94 |   |   |   | 84.12 |   |   |   | 91.94 |   |
| Net Interest Spread                                                     |   |                                           | 3.38   |   |                                          |   | 3.39 |   |   |   | 3.32 |   |   |   | 3.41 |   |
| Net Interest Margin                                                     |   |                                           | 3.59   |   |                                          |   | 3.58 |   |   |   | 3.57 |   |   |   | 3.62 |   |
| Average Interest Earning Assets to Average Interest Bearing Liabilities |   |                                           | 114.77 |   |                                          |   | 111.12 |   |   |   | 114.50 |   |   |   | 111.41 |   |
| Non-Interest Expense to Average Assets                                  |   |                                           | 1.62   |   |                                          |   | 1.48 |   |   |   | 1.61 |   |   |   | 1.52 |   |
| Efficiency Ratio                                                        |   |                                           | 43.92  |   |                                          |   | 40.98 |   |   |   | 44.05 |   |   |   | 41.91 |   |
| Effective Tax Rate                                                      |   |                                           | 41.25  |   |                                          |   | 41.67 |   |   |   | 41.03 |   |   |   | 41.34 |   |
| Dividend Payout Ratio                                                   |   |                                           | 41.18  |   |                                          |   | 42.42 |   |   |   | 42.86 |   |   |   | 41.18 |   |
| Per Share Data:                                                         |   |                                           |   |   |                                          |   |   |   |   |   |   |   |   |   |   |   |
| Reported EPS (Diluted)                                                  |   | $                                              | 0.34   |   |                                          | $      | 0.33 |   |   | $ | 0.98 |   |   | $ | 1.02 |   |
| Cash Dividends Paid Per Share                                           |   |                                           | 0.14   |   |                                          |   | 0.14 |   |   |   | 0.42 |   |   |   | 0.42 |   |
| Stated Book Value                                                       |   |                                           | 10.89  |   |                                          |   | 10.13 |   |   |   | 10.89 |   |   |   | 10.13 |   |
| Asset Quality Summary:                                                  |   |                                           |   |   |                                          |   |   |   |   |   |   |   |   |   |   |   |
| Net Charge-offs                                                         |   | $                                              | (325   | )      |                                          | $      | 148 |   |   | $ | 3,500 |   |   | $ | 3,062 |   |
| Non-performing Loans                                                    |   |                                           | 10,690 |   |                                          |   | 17,468 |   |   |   | 10,690 |   |   |   | 17,468 |   |
| Non-performing Loans/Total Loans                                        |   |                                           | 0.32   | %      |                                          |   | 0.51 | % |   |   | 0.32 | % |   |   | 0.51 | % |
| Non-performing Assets                                                   |   | $                                              | 11,580 |   |                                          | $      | 18,483 |   |   | $ | 11,580 |   |   | $ | 18,483 |   |
| Non-performing Assets/Total Assets                                      |   |                                           | 0.29   | %      |                                          |   | 0.46 | % |   |   | 0.29 | % |   |   | 0.46 | % |
| Allowance for Loan Loss/Total Loans                                     |   |                                           | 0.62   |   |                                          |   | 0.63 |   |   |   | 0.62 |   |   |   | 0.63 |   |
| Allowance for Loan Loss/Non-performing Loans                            |   |                                           | 193.58 |   |                                          |   | 123.31 |   |   |   | 193.58 |   |   |   | 123.31 |   |
| Earnings to Fixed Charges Ratios (1)                                    |   |                                           |   |   |                                          |   |   |   |   |   |   |   |   |   |   |   |
| Including Interest on Deposits                                          |   |                                           | 2.40   | x      |                                          |   | 2.05 | x |   |   | 2.17 | x |   |   | 2.07 | x |
| Excluding Interest on Deposits                                          |   |                                           | 3.23   |   |                                          |   | 2.64 |   |   |   | 2.77 |   |   |   | 2.69 |   |

----

----

----

----

|                                          |   | Less than One Year     |    |   | One Year to Three Years |   |   | Over Three Years to Five Years |   |   | Over Five Years |   |   | Total  |   |
|-----------------------------------------------|--------|------------------------|---------|--------|-------------------------|--------|--------|--------------------------------|--------|--------|-----------------|--------|--------|--------|--------|
|                                          |   | (Dollars in thousands) |    |
| Credit Commitments:                           |   |                        |    |   |                         |   |   |                                |   |   |                 |   |   |        |   |
|    Available lines of credit   |   | $                      | 37,996  |   |                    | $      | -      |                           |   | $      | -               |   |   | $      | -      |   |   | $ | 37,996 |   |
|    Other loan commitments (1)  |   |                   | 243,999 |   |                    |   | -      |                           |   |   | -               |   |   |   | -      |   |   |   | 243,999 |   |
| Other Commitments:                            |   |                   |    |   |                    |   |   |                           |   |   |            |   |   |   |   |   |   |   |   |   |
| First Loss Position on loans sold to FNMA (1) |   |                   | 16,356  |   |                    |   | -      |                           |   |   | -               |   |   |   | -      |   |   |   | 16,356 |   |
| Total Commitments                             |   | $                      | 298,351 |   |                    | $      | -      |                           |   | $      | -               |   |   | $      | -      |   |   | $ | 298,351 |   |

----

|                                                                        |   | (Dollars in Thousands) |   |
|-----------------------------------------------------------------------------|--------|------------------------|--------|
| Non-accrual loans                                                           |   | $                      | 10,690 |   |
| Non-accrual one- to four-family and consumer loans deemed homogeneous loans |   |                   | (482   | ) |
| TDRs retained on accrual status                                             |   |                   | 43,106 |   |
| Other loans deemed impaired but retained on accrual status                  |   |                   |   |   |
| Impaired loans                                                              |   | $                      | 53,314 |   |

| · | For economic or legal reasons related to the debtor's financial difficulties, a concession has been granted that would not have otherwise been considered |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | A reduction of interest rate has been made for the remaining term of the loan |
|--------|-------------------------------------------------------------------------------|

| · | The maturity date of the loan has been extended with a stated interest rate lower than the current market rate for new debt with similar risk |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------|

| · | The outstanding principal amount and/or accrued interest have been reduced |
|--------|----------------------------------------------------------------------------|

----

|                                                                            | At September 30, 2012  |                       | At December 31, 2011 |
|---------------------------------------------------------------------------------|------------------------|----------------------------|----------------------|
|                                                                            | # loans                | Aggregate Recorded Balance |                 | # loans | Aggregate RecordedBalance |
|                                                                            | (Dollars in Thousands) |
| Loan secured by:                                                                |                   |                       |                 |   |   |
|    One- to four-family residential real estate (1)               | 3                      | $951                       |                 | 2 | $625 |
|    Multifamily residential and residential mixed use real estate | 5                      | 1,967                      |                 | 5 | 2,013 |
|    Mixed use commercial real estate                              | 1                      | 736                        |                 | 3 | 1,657 |
|    Commercial real estate                                        | 13                     | 47,587                     |                 | 12 | 44,458 |
| Total                                                                           | 22                     | $51,241                    |                 | 22 | $48,753 |

| (1) | With the exception of one TDR  at September 30, 2012 with an outstanding balance of $330,000, these TDRs are secured by properties containing either residential or commercial rental units. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                                                                          |   | At September 30,2012   |   |   | At December 31, 2011 |   |
|-------------------------------------------------------------------------------|--------|------------------------|--------|--------|----------------------|--------|
|                                                                          |   | (Dollars in Thousands) |   |
| Non-accrual real estate loans:                                                |   |                        |   |   |                      |   |
|    One- to four-family residential and cooperative unit        |   | $                      | 1,150  |   |                 | $      | 2,205 |   |
|    Multifamily residential and residential mixed use           |   |                   | 1,008  |   |                 |   | 7,069 |   |
|    Commercial real estate and mixed use commercial real estate |   |                   | 8,526  |   |                 |   | 16,674 |   |
| Total non-accrual real estate loans (excluding loans held for sale)           |   | $                      | 10,684 |   |                 | $      | 25,948 |   |
| Non-accrual consumer loans                                                    |   |                   | 6      |   |                 |   | 4 |   |
|    Sub-total                                                   |   | $                      | 10,690 |   |                 | $      | 25,952 |   |
| Non-accrual loans held for sale                                               |   |                   | -      |   |                 |   | 3,021 |   |
| Total non-accrual loans                                                       |   | $                      | 10,690 |   |                 | $      | 28,973 |   |
| OREO                                                                          |   |                   | -      |   |                 |   | - |   |
| Non-performing investment securities                                          |   |                   | 890    |   |                 |   | 1,012 |   |
| Total non-performing assets                                                   |   | $                      | 11,590 |   |                 | $      | 29,985 |   |
| Ratios:                                                                       |   |                   |   |   |                 |   |   |   |
|    Total non-accrual loans to total loans                      |   |                   | 0.32   | %      |                 |   | 0.84 | % |
|    Total non-performing assets to total assets                 |   |                   | 0.29   |   |                 |   | 0.75 |   |

----

|                                                                    | At or for the Nine Months Ended September 30, 2011 |
|-------------------------------------------------------------------------|----------------------------------------------------|
|                                                                    | # Loans                                            | Balance |
|                                                                    | (Dollars in Thousands)                             |
| Loans modified in a manner that did not meet the definition of a TDR    | 5                                                  | $5,599 |
| Concessions granted:                                                    |                                               |   |
|    Reduction of outstanding principal due                | ‐                                       | ‐  |
|    Deferral of principal amounts due                     | 5                                                  | 5,599 |
|    Below market interest rate granted                    | ‐                                       | ‐  |
| Outstanding principal balance immediately before and after modification | 5                                                  | $5,599 |

----

|                                                    | At September 30, 2012  | At June 30, 2012 | At December 31, 2011 |
|---------------------------------------------------------|------------------------|------------------|----------------------|
|                                                    | (Dollars in Thousands) |
| Real Estate Loans:                                      |                   |             |                 |
|    Impaired loans                        | $551                   | $581             | $2,175               |
|    Substandard loans not deemed impaired | 866                    | -           | -               |
|    Special Mention loans                 | 100                    | 520              | 800                  |
|    Pass graded loans                     | 19,084                 | 18,960           | 17,174               |
|    Debit escrow balances                 | 67                     | 159              | 79                   |
| Sub-total real estate loans                             | 20,668                 | 20,220           | 20,228               |
| Consumer loans                                          | 26                     | 23               | 26                   |
| TOTAL                                                   | $20,694                | $20,243          | $20,254              |
|                                                    | At September 30, 2011  | At June 30, 2011 | At December 31 2010 |
|---------------------------------------------------------|------------------------|------------------|---------------------|
|                                                    | (Dollars in Thousands) |
| Real Estate Loans:                                      |                   |             |                |
|    Impaired loans                        | $2,821                 | $280             | $-             |
|    Substandard loans not deemed impaired | -                 | -           | -              |
|    Special Mention loans                 | 1,606                  | 2,046            | 1,880               |
|    Pass graded loans                     | 17,010                 | 17,006           | 17,178              |
|    Debit escrow balances                 | 74                     | 157              | 74                  |
| Sub-total real estate loans                             | 21,511                 | 19,489           | 19,132              |
| Consumer loans                                          | 28                     | 29               | 34                  |
| TOTAL                                                   | $21,539                | $19,518          | $19,166             |
|                                            | Three Months Ended September 30, |        | Nine Months Ended September 30, |
|-------------------------------------------------|----------------------------------|-------------|---------------------------------|
|                                            | 2012                             | 2011        |                            | 2012 | 2011 |
|                                            | (Dollars in Thousands)           |
| Net recoveries (charge-offs)                    | $350                        | $(148)      |                            | $(3,500) | $(3,062) |
| Provision                                       | 126                         | 2,217  |                            | 3,858  | 5,305  |
| Transfer (to) from reserve for loan commitments | (159)                            | (48)        |                            | (241) | 128  |

----

----

|                                                             |   | Three Months Ended September 30, |      |
|------------------------------------------------------------------|--------|----------------------------------|-----------|
|                                                             |   |                                  |      |   | 2012 |   |   |  |   |   |  |   |   | 2011 |   |   |  |   |
|                                                             |   |                                  |      |   |  |   |   | Average |   |   |  |   |   |  |   |   | Average |   |
|                                                             |   | Average                          |      |   |  |   |   | Yield/ |   |   | Average |   |   |  |   |   | Yield/ |   |
|                                                             |   | Balance                          |      |   | Interest |   |   | Cost |   |   | Balance |   |   | Interest |   |   | Cost |   |
| Assets:                                                          |   | (Dollars In Thousands)           |      |
| Interest-earning assets:                                         |   |                                  |      |   |  |   |   |  |   |   |  |   |   |  |   |   |  |   |
| Real estate loans                                                |   | $                                | 3,329,996 |   |   | $ | 45,963 |   |   |   | 5.52 | % |   | $ | 3,412,553 |   |   | $ | 49,139 |   |   |   | 5.76 | % |
| Other loans                                                      |   |                             | 2,421     |   |   |   | 28 |   |   |   | 4.63 |   |   |   | 1,043 |   |   |   | 24 |   |   |   | 9.20 |   |
| MBS                                                              |   |                             | 86,037    |   |   |   | 677 |   |   |   | 3.15 |   |   |   | 105,886 |   |   |   | 1,192 |   |   |   | 4.50 |   |
| Investment securities                                            |   |                             | 97,926    |   |   |   | 223 |   |   |   | 0.91 |   |   |   | 150,930 |   |   |   | 321 |   |   |   | 0.85 |   |
| Federal funds sold and other short-term investments              |   |                             | 199,888   |   |   |   | 582 |   |   |   | 1.16 |   |   |   | 151,335 |   |   |   | 640 |   |   |   | 1.69 |   |
| Total interest-earning assets                                    |   |                             | 3,716,268 |   |   | $ | 47,473 |   |   |   | 5.11 | % |   |   | 3,821,747 |   |   | $ | 51,316 |   |   |   | 5.37 | % |
| Non-interest earning assets                                      |   |                             | 183,761   |   |   |   |   |   |   |   |   |   |   |   | 230,412 |   |   |   |   |   |   |   |   |   |
| Total assets                                                     |   | $                                | 3,900,029 |   |   |   |   |   |   |   |   |   |   | $ | 4,052,159 |   |   |   |   |   |   |   |   |   |
|                                                             |   |                             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and Stockholders' Equity:                            |   |                             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                    |   |                             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest bearing checking accounts                               |   | $                                | 93,132    |   |   | $ | 48 |   |   |   | 0.21 | % |   | $ | 93,649 |   |   | $ | 66 |   |   |   | 0.28 | % |
| Money Market accounts                                            |   |                             | 850,288   |   |   |   | 1,155 |   |   |   | 0.54 |   |   |   | 775,697 |   |   |   | 1,295 |   |   |   | 0.66 |   |
| Savings accounts                                                 |   |                             | 365,976   |   |   |   | 141 |   |   |   | 0.15 |   |   |   | 345,237 |   |   |   | 180 |   |   |   | 0.21 |   |
| CDs                                                              |   |                             | 935,278   |   |   |   | 3,958 |   |   |   | 1.68 |   |   |   | 1,053,415 |   |   |   | 4,957 |   |   |   | 1.87 |   |
| Borrowed Funds                                                   |   |                             | 993,289   |   |   |   | 8,773 |   |   |   | 3.51 |   |   |   | 1,171,433 |   |   |   | 10,646 |   |   |   | 3.61 |   |
| Total interest-bearing liabilities                               |   |                             | 3,237,963 |   |   | $ | 14,075 |   |   |   | 1.73 | % |   |   | 3,439,431 |   |   | $ | 17,144 |   |   |   | 1.98 | % |
| Non-interest bearing checking accounts                           |   |                             | 151,006   |   |   |   |   |   |   |   |   |   |   |   | 142,035 |   |   |   |   |   |   |   |   |   |
| Other non-interest-bearing liabilities                           |   |                             | 128,028   |   |   |   |   |   |   |   |   |   |   |   | 119,078 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                |   |                             | 3,516,997 |   |   |   |   |   |   |   |   |   |   |   | 3,700,544 |   |   |   |   |   |   |   |   |   |
| Stockholders' equity                                             |   |                             | 383,032   |   |   |   |   |   |   |   |   |   |   |   | 351,615 |   |   |   |   |   |   |   |   |   |
| Total liabilities and stockholders' equity                       |   | $                                | 3,900,029 |   |   |   |   |   |   |   |   |   |   | $ | 4,052,159 |   |   |   |   |   |   |   |   |   |
| Net interest income                                              |   |                             |      |   |   | $ | 33,398 |   |   |   |   |   |   |   |   |   |   | $ | 34,172 |   |   |   |   |   |
| Net interest spread                                              |   |                             |      |   |   |   |   |   |   |   | 3.38 | % |   |   |   |   |   |   |   |   |   |   | 3.39 | % |
| Net interest-earning assets                                      |   | $                                | 478,305   |   |   |   |   |   |   |   |   |   |   | $ | 382,316 |   |   |   |   |   |   |   |   |   |
| Net interest margin                                              |   |                             |      |   |   |   |   |   |   |   | 3.59 | % |   |   |   |   |   |   |   |   |   |   | 3.58 | % |
| Ratio of interest-earning assets to interest-bearing liabilities |   |                             |      |   |   |   |   |   |   |   | 114.77 | % |   |   |   |   |   |   |   |   |   |   | 111.12 | % |
|                                                | Three Months Ended September 30, 2012Compared to Three Months Ended September 30, 2011Increase/ (Decrease) Due to: |
|-----------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|
|                                                |
|                                                |
|                                                | Volume                                                                                                             | Rate | Total |
|                                                | (Dollars In thousands)                                                                                             |
| Interest-earning assets:                            |                                                                                                               |   |   |
| Real Estate Loans                                   |  $(1,159)                                                                                                     | $(2,017) |  $(3,176) |
| Other loans                                         | 24                                                                                                            |  (20) |  4  |
| MBS                                                 |  (191)                                                                                                        |  (324) |  (515) |
| Investment securities                               |  (117)                                                                                                        | 19  | (98) |
| Federal funds sold and other short-term investments |  174                                                                                                     |  (232) |  (58) |
| Total                                               | $ (1,269)                                                                                                          | $ (2,574) | $ (3,843) |
|                                                |                                                                                                               |   |   |
| Interest-bearing liabilities:                       |                                                                                                               |   |   |
|  Interest bearing checking accounts            | $(1)                                                                                                               |  $ (17) | $(18) |
| Money market accounts                               | 109                                                                                                           |  (249) |  (140) |
| Savings accounts                                    | 12                                                                                                            |  (51) |  (39) |
| CDs                                                 |  (525)                                                                                                        |  (474) |  (999) |
| Borrowed funds                                      |  (1,597)                                                                                                      |  (276) |  (1,873) |
| Total                                               | $ (2,002)                                                                                                          |  $ (1,067) | $ (3,069) |
| Net change in net interest income                   | $733                                                                                                          | $ (1,507) | $ (774) |

----

----

|                                                             |   | Nine Months Ended September 30, |      |
|------------------------------------------------------------------|--------|---------------------------------|-----------|
|                                                             |   |                                 |      |   | 2012 |   |   |  |   |   |  |   |   | 2011 |   |   |  |   |
|                                                             |   |                                 |      |   |  |   |   | Average |   |   |  |   |   |  |   |   | Average |   |
|                                                             |   | Average                         |      |   |  |   |   | Yield/ |   |   | Average |   |   |  |   |   | Yield/ |   |
|                                                             |   | Balance                         |      |   | Interest |   |   | Cost |   |   | Balance |   |   | Interest |   |   | Cost |   |
| Assets:                                                          |   | (Dollars In Thousands)          |      |
| Interest-earning assets:                                         |   |                                 |      |   |  |   |   |  |   |   |  |   |   |  |   |   |  |   |
| Real estate loans                                                |   | $                               | 3,387,534 |   |   | $ | 143,735 |   |   |   | 5.66 | % |   | $ | 3,445,220 |   |   | $ | 151,625 |   |   |   | 5.87 | % |
| Other loans                                                      |   |                            | 1,870     |   |   |   | 76 |   |   |   | 5.42 |   |   |   | 1,090 |   |   |   | 74 |   |   |   | 9.05 |   |
| MBS                                                              |   |                            | 89,154    |   |   |   | 2,456 |   |   |   | 3.67 |   |   |   | 117,436 |   |   |   | 3,974 |   |   |   | 4.51 |   |
| Investment securities                                            |   |                            | 122,552   |   |   |   | 1,043 |   |   |   | 1.13 |   |   |   | 150,650 |   |   |   | 1,019 |   |   |   | 0.90 |   |
| Federal funds sold and other short-term investments              |   |                            | 186,189   |   |   |   | 1,895 |   |   |   | 1.36 |   |   |   | 166,407 |   |   |   | 2,089 |   |   |   | 1.67 |   |
| Total interest-earning assets                                    |   |                            | 3,787,299 |   |   | $ | 149,205 |   |   |   | 5.25 | % |   |   | 3,880,803 |   |   | $ | 158,781 |   |   |   | 5.46 | % |
| Non-interest earning assets                                      |   |                            | 178,618   |   |   |   |   |   |   |   |   |   |   |   | 225,541 |   |   |   |   |   |   |   |   |   |
| Total assets                                                     |   | $                               | 3,965,917 |   |   |   |   |   |   |   |   |   |   | $ | 4,106,344 |   |   |   |   |   |   |   |   |   |
|                                                             |   |                            |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and Stockholders' Equity:                            |   |                            |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                    |   |                            |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest bearing checking accounts                               |   | $                               | 93,172    |   |   | $ | 141 |   |   |   | 0.20 | % |   | $ | 96,870 |   |   | $ | 266 |   |   |   | 0.37 | % |
| Money Market accounts                                            |   |                            | 810,179   |   |   |   | 3,326 |   |   |   | 0.55 |   |   |   | 752,423 |   |   |   | 3,818 |   |   |   | 0.68 |   |
| Savings accounts                                                 |   |                            | 362,429   |   |   |   | 442 |   |   |   | 0.16 |   |   |   | 339,778 |   |   |   | 551 |   |   |   | 0.22 |   |
| CDs                                                              |   |                            | 960,293   |   |   |   | 12,540 |   |   |   | 1.74 |   |   |   | 1,070,216 |   |   |   | 15,446 |   |   |   | 1.93 |   |
| Borrowed Funds                                                   |   |                            | 1,081,514 |   |   |   | 31,465 |   |   |   | 3.89 |   |   |   | 1,224,048 |   |   |   | 33,325 |   |   |   | 3.64 |   |
| Total interest-bearing liabilities                               |   |                            | 3,307,587 |   |   | $ | 47,914 |   |   |   | 1.94 | % |   |   | 3,483,335 |   |   | $ | 53,406 |   |   |   | 2.05 | % |
| Non-interest bearing checking accounts                           |   |                            | 150,914   |   |   |   |   |   |   |   |   |   |   |   | 139,983 |   |   |   |   |   |   |   |   |   |
| Other non-interest-bearing liabilities                           |   |                            | 133,857   |   |   |   |   |   |   |   |   |   |   |   | 140,570 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                |   |                            | 3,592,358 |   |   |   |   |   |   |   |   |   |   |   | 3,763,888 |   |   |   |   |   |   |   |   |   |
| Stockholders' equity                                             |   |                            | 373,559   |   |   |   |   |   |   |   |   |   |   |   | 342,456 |   |   |   |   |   |   |   |   |   |
| Total liabilities and stockholders' equity                       |   | $                               | 3,965,917 |   |   |   |   |   |   |   |   |   |   | $ | 4,106,344 |   |   |   |   |   |   |   |   |   |
| Net interest income                                              |   |                            |      |   |   | $ | 101,291 |   |   |   |   |   |   |   |   |   |   | $ | 105,375 |   |   |   |   |   |
| Net interest spread                                              |   |                            |      |   |   |   |   |   |   |   | 3.32 | % |   |   |   |   |   |   |   |   |   |   | 3.41 | % |
| Net interest-earning assets                                      |   | $                               | 479,712   |   |   |   |   |   |   |   |   |   |   | $ | 397,468 |   |   |   |   |   |   |   |   |   |
| Net interest margin                                              |   |                            |      |   |   |   |   |   |   |   | 3.57 | % |   |   |   |   |   |   |   |   |   |   | 3.62 | % |
| Ratio of interest-earning assets to interest-bearing liabilities |   |                            |      |   |   |   |   |   |   |   | 114.50 | % |   |   |   |   |   |   |   |   |   |   | 111.41 | % |

----

|                                                |   |                                                                                                                  |   |
|-----------------------------------------------------|--------|------------------------------------------------------------------------------------------------------------------|--------|
|                                                |   | Nine Months Ended September 30, 2012Compared to Nine Months Ended September 30, 2011Increase/ (Decrease) Due to: |   |
|                                                |   | Volume                                                                                                           |   |   | Rate |   |   | Total |   |
|                                                |   | (Dollars In thousands)                                                                                           |   |
| Interest-earning assets:                            |   |                                                                                                                  |   |   |  |   |   |  |   |
| Real Estate Loans                                   |   | $                                                                                                                | (2,502 | ) |   | $ | (5,388 | ) |   | $ | (7,890 | ) |
| Other loans                                         |   |                                                                                                             | 43     |   |   |   | (41 | ) |   |   | 2 |   |
| MBS                                                 |   |                                                                                                             | (867   | ) |   |   | (651 | ) |   |   | (1,518 | ) |
| Investment securities                               |   |                                                                                                             | (213   | ) |   |   | 237 |   |   |   | 24 |   |
| Federal funds sold and other short-term investments |   |                                                                                                             | 221    |   |   |   | (415 | ) |   |   | (194 | ) |
| Total                                               |   | $                                                                                                                | (3,318 | ) |   | $ | (6,258 | ) |   | $ | (9,576 | ) |
|                                                |   |                                                                                                             |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                       |   |                                                                                                             |   |   |   |   |   |   |   |   |   |   |
|  Interest bearing checking accounts            |   | $                                                                                                                | (6     | ) |   | $ | (119 | ) |   | $ | (125 | ) |
| Money market accounts                               |   |                                                                                                             | 267    |   |   |   | (759 | ) |   |   | (492 | ) |
| Savings accounts                                    |   |                                                                                                             | 41     |   |   |   | (150 | ) |   |   | (109 | ) |
| CDs                                                 |   |                                                                                                             | (1,486 | ) |   |   | (1,420 | ) |   |   | (2,906 | ) |
| Borrowed funds                                      |   |                                                                                                             | (4,018 | ) |   |   | 2,158 |   |   |   | (1,860 | ) |
| Total                                               |   | $                                                                                                                | (5,202 | ) |   | $ | (290 | ) |   | $ | (5,492 | ) |
| Net change in net interest income                   |   | $                                                                                                                | 1,884  |   |   | $ | (5,968 | ) |   | $ | (4,084 | ) |

----

----

|                |   | At September 30, 2012    |    |   | At December 31, 2011 |   |
|---------------------|--------|--------------------------|---------|--------|----------------------|--------|
|                |   | Economic Value of Equity |    |   |                      |   |   |  |   |   |  |   |   |  |   |   |  |   |   |  |   |   |  |   |
|                |   | DollarAmount             |    |   | DollarChange         |   |   | PercentageChange |   |   | EVERatio |   |   | Basis Point Change in EVE Ratio |   |   | Board Approved EVE Ratio Limit |   |   | EVE DollarAmount |   |   | EVERatio |   |   | Basis Point Change in EVE Ratio |   |   | Board Approved EVE Ratio Limit |   |
|                |   | (Dollars in Thouisands)  |    |
| Rate Shock Scenario |   |                          |    |   |                      |   |   |  |   |   |  |   |   |  |   |   |  |   |   |  |   |   |  |   |   |  |   |   |  |   |
| + 200 Basis Points  |   | $                        | 393,338 |   |                 | $      | 7,764 |   |   |   | -1.94 | % |   |   | 10.00 | % |   |   | (3 | ) |   |   | 6.0 | % |   | $ | 432,018 |   |   |   | 10.69 | % |   |   | 29 |   |   |   | 6.0 | % |
| Pre-Shock Scenario  |   |                     | 401,102 |   |                 |   | - |   |   |   | - |   |   |   | 10.03 |   |   | ‐ |   |   |   | 8.0 |   |   |   | 429,193 |   |   |   | 10.40 |   |   | ‐ |   |   |   | 8.0 |   |

| Instantaneous Change in Interest rate of: |   | Percentage Change in Aggregate Net Interest Income |
|-------------------------------------------|--------|----------------------------------------------------|
| + 200 Basis Points                        |   | (7.0)%                                             |
| + 100 Basis Points                        |   | (3.3)                               |
| -100 Basis Points                         |   | N/A(1)                                             |

----

| 3(i)  |   | Amended and Restated Certificate of Incorporation of Dime Community Bancshares, Inc. (1)                                                                                                                                                                                                                                                                                                                                                            |
|-------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 3(ii) |   | Amended and Restated Bylaws of Dime Community Bancshares, Inc. (11)                                                                                                                                                                                                                                                                                                                                                                                 |
| 4.1   |   | Amended and Restated Certificate of Incorporation of Dime Community Bancshares, Inc. [See Exhibit 3(i) hereto]                                                                                                                                                                                                                                                                                                                                      |
| 4.2   |   | Amended and Restated Bylaws of Dime Community Bancshares, Inc. [See Exhibit 3(ii) hereto]                                                                                                                                                                                                                                                                                                                                                           |
| 4.3   |   | Draft Stock Certificate of Dime Community Bancshares, Inc. (2)                                                                                                                                                                                                                                                                                                                                                                                      |
| 4.4   |   | Second Amended and Restated Declaration of Trust, dated as of July 29, 2004, by and among Wilmington Trust Company, as Delaware Trustee, Wilmington Trust Company as    Institutional Trustee, Dime Community Bancshares, Inc., as Sponsor, the Administrators of Dime Community Capital Trust I and the holders from time to time of undivided   beneficial interests in the assets of Dime Community Capital Trust I (5) |
| 4.5   |   | Indenture, dated as of March 19, 2004, between Dime Community Bancshares, Inc. and Wilmington Trust Company, as trustee (5)                                                                                                                                                                                                                                                                                                                         |

----

| 4.6     |   | Series B Guarantee Agreement, dated as of July 29, 2004, executed and delivered by Dime Community Bancshares, Inc., as Guarantor and Wilmington Trust Company, as    Guarantee Trustee, for the benefit of the holders from time to time of the Series B Capital Securities of Dime Community Capital Trust I (5)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|---------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 10.1    |   | Amended and Restated Employment Agreement between The Dime Savings Bank of Williamsburgh and Vincent F. Palagiano (13)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| 10.2    |   | Amended and Restated Employment Agreement between The Dime Savings Bank of Williamsburgh and Michael P. Devine (13)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| 10.3    |   | Amended and Restated Employment Agreement between The Dime Savings Bank of Williamsburgh and Kenneth J. Mahon (13)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| 10.4    |   | Employment Agreement between Dime Community Bancshares, Inc. and Vincent F. Palagiano (13)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| 10.5    |   | Employment Agreement between Dime Community Bancshares, Inc. and Michael P. Devine (13)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 10.6    |   | Employment Agreement between Dime Community Bancshares, Inc. and Kenneth J. Mahon (13)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| 10.7    |   | Form of Employee Retention Agreement by and among The Dime Savings Bank of Williamsburgh, Dime Community Bancorp, Inc. and certain officers (15)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 10.8    |   | The Benefit Maintenance Plan of Dime Community Bancorp, Inc. (12)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| 10.9    |   | Severance Pay Plan of The Dime Savings Bank of Williamsburgh (9)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 10.10   |   | Retirement Plan for Board Members of Dime Community Bancorp, Inc. (9)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 10.12   |   | Recognition and Retention Plan for Outside Directors, Officers and Employees of Dime Community Bancorp, Inc., as amended by amendments number 1 and 2 (3)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| 10.13   |   | Form of stock option agreement for Outside Directors under Dime Community Bancshares, Inc.  2001 Stock Option Plans for Outside Directors, Officers and Employees and the 2004 Stock Incentive Plan. (3)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| 10.14   |   | Form of stock option agreement for officers and employees under Dime Community Bancshares, Inc. 2001 Stock Option Plans for Outside Directors, Officers and Employees and the 2004 Stock Incentive Plan (3)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.15   |   | Form of award notice for outside directors under the Recognition and Retention Plan for Outside Directors, Officers and Employees of Dime Community Bancorp, Inc. (3)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 10.16   |   | Form of award notice for officers and employees under the Recognition and Retention Plan for Outside Directors, Officers and Employees of Dime Community Bancorp, Inc. (3)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| 10.19   |   | Option Conversion Certificates between Dime Community Bancshares, Inc. and each of Messrs. Russo, Segrete, Calamari, Latawiec, O'Gorman, and Ms. Swaya pursuant to Section    1.6(b) of the Agreement and Plan of Merger, dated as of July 18, 1998 by and between Dime Community Bancshares, Inc. and Financial Bancorp, Inc. (4)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| 10.20   |   | Dime Community Bancshares, Inc. 2001 Stock Option Plan for Outside Directors, Officers and Employees (14)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| 10.21   |   | Dime Community Bancshares, Inc. 2004 Stock Incentive Plan for Outside Directors, Officers and Employees (8)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.22   |   | Waiver executed by Vincent F. Palagiano (7)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.23   |   | Waiver executed by Michael P. Devine (7)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| 10.24   |   | Waiver executed by Kenneth J. Mahon (7)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| 10.25   |   | Form of restricted stock award notice for officers and employees under the 2004 Stock Incentive Plan (6)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| 10.27   |   | Form of restricted stock award notice for outside directors under the 2004 Stock Incentive Plan (6)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| 10.28   |   | Employee Retention Agreement between The Dime Savings Bank of Williamsburgh, Dime Community Bancshares, Inc.  and Daniel Harris (9)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| 10.29   |   | Dime Community Bancshares, Inc. Annual Incentive Plan (9)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| 10.30   |   | The Dime Savings Bank of Williamsburgh 401(K) Savings Plan (Amended and Restated Effective January 1, 2010) (10)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 10.31   |   | Employee Stock Ownership Plan of Dime Community Bancshares, Inc. and Certain Affiliates (9)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.32   |   | Amendment to the Benefit Maintenance Plan of Dime Community Bancshares, Inc. effective August 23, 2012                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| 12.1    |   | Computation of ratio of earnings to fixed charges                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| 31(i).1 |   | Certification of Chief Executive Officer Pursuant to Rule 13a-14(a)/15d-14(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| 31(i).2 |   | Certification of Chief Financial Officer Pursuant to Rule 13a-14(a)/15d-14(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| 32.1    |   | Certification of Chief Executive Officer Pursuant to 18 U.S.C. 1350                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| 32.2    |   | Certification of Chief Financial Officer Pursuant to 18 U.S.C. 1350                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| 101**   |   | Pursuant to Rule 405 of Regulation S-T, the following financial information from the Company's Quarterly Report on Form 10-Q for the period ended September 30, 2012, is formatted in XBRL (Extensible Business Reporting Language) interactive data files: (i) the Condensed Consolidated Balance Sheets as of September 30, 2012 and December 31, 2011, (ii) the Condensed Consolidated Statements of Operations and Comprehensive Income for the three-month and nine-month periods ended September 30, 2012 and 2011, (iii) the Condensed Consolidated Statements of Changes in Stockholders' Equity for the nine months ended September 30, 2012 and 2011, (iv) the Condensed Consolidated Statements of Cash Flows for the nine months ended September 30, 2012 and 2011, and (iv) the Notes to Consolidated Financial Statements, tagged as blocks of text. |

----

| **   | Furnished, not filed, herewith.                                                                                                                                                                                               |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| (1)  | Incorporated by reference to the registrant's Transition Report on Form 10-K for the transition period ended December 31, 2002 filed on March 28, 2003.                                                                       |
| (2)  | Incorporated by reference to the registrant's Annual Report on Form 10-K for the fiscal year ended June 30, 1998 filed on September 28, 1998.                                                                                 |
| (3)  | Incorporated by reference to the registrant's Annual Report on Form 10-K for the fiscal year ended June 30, 1997 filed on September 26, 1997, and the Current Reports on Form 8-K filed on March 22, 2004 and March 29, 2005. |
| (4)  | Incorporated by reference to the registrant's Annual Report on Form 10-K for the fiscal year ended June 30, 2000 filed on September 28, 2000.                                                                                 |
| (5)  | Incorporated by reference to Exhibits to the registrant's Registration Statement No. 333-117743 on Form S-4 filed on July 29, 2004.                                                                                           |
| (6)  | Incorporated by reference to the registrant's Current Report on Form 8-K filed on March 22, 2005.                                                                                                                             |
| (7)  | Incorporated by reference to the registrant's Quarterly Report on Form 10-Q for the quarter ended March 31, 2005 filed on May 10, 2005.                                                                                       |
| (8)  | Incorporated by reference to the registrant's Quarterly Report on Form 10-Q for the quarter ended June 30, 2008 filed on August 8, 2008.                                                                                      |
| (9)  | Incorporated by reference to the registrant's Annual Report on Form 10-K for the year ended December 31, 2008 filed on March 16, 2009.                                                                                        |
| (10) | Incorporated by reference to the registrant's Quarterly Report on Form 10-Q for the quarter ended March 31, 2010 filed on May 10, 2010                                                                                        |
| (11) | Incorporated by reference to the registrant's Current Report on Form 8-K filed on March 17, 2011.                                                                                                                             |
| (12) | Incorporated by reference to the registrant's Current Report on Form 8-K filed on April 4, 2011.                                                                                                                              |
| (13) | Incorporated by reference to the registrant's Quarterly Report on Form 10-Q for the quarter ended March 31, 2011 filed on May 10, 2011                                                                                        |
| (14) | Incorporated by reference to the registrant's Quarterly Report on Form 10-Q for the quarter ended June 30, 2011 filed on August 9, 2011                                                                                       |
| (15) | Incorporated by reference to the registrant's Quarterly Report on Form 10-Q for the quarter ended March 31, 2012 filed on May 9, 2012                                                                                         |

| Dime Community Bancshares, Inc. |
|---------------------------------|
| Dated: November 13, 2012 |   | By: /s/ VINCENT F. PALAGIANO                      |
|--------------------------|--------|---------------------------------------------------|
|                     |   | Vincent F. Palagiano                              |
|                     |   | Chairman of the Board and Chief Executive Officer |
| Dated: November 13, 2012 |   | By: /s/ KENNETH J. MAHON                                                                  |
|--------------------------|--------|-------------------------------------------------------------------------------------------|
|                     |   | Kenneth J. Mahon                                                                          |
|                     |   | First Executive Vice President and Chief Financial Officer (Principal Accounting Officer) |

----