The Group's principal activity is to provide a full range of banking services to individual and corporate customers. It originates commercial real estate loans and multifamily real estate loans,construction and land loans, commercial and industrial loans, one- to four-family residential mortgage loans, and home equity loans and lines of credit, purchasing investment securities including mortgage-backed securities and corporate bonds, depositing funds in other financial institutions.It offers a variety of deposit accounts, including certificates of deposit, passbook, statement, and money market savings accounts, transactions deposit accounts (Negotiable Orders of Withdrawal (NOW) accounts and non-interest bearing demand accounts), and individual retirement accounts. The Group operates through its one main office in New York and 17 branch offices in New York and New Jersey. The operations are solely in the United States of America.
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