New York Community Bancorp's shares closed at $13.31 Wednesday. The company pays a quarterly dividend of $0.25 a share, for a yield of 7.51%. That is by far the highest dividend yield among actively traded bank stocks, with average daily trading volume of at least 20,000 shares, according to data supplied by Thomson Reuters Bank Insight. Please see TheStreet's 10 Buy-Rated Bank Stocks With Highest Dividend Yields for details on other bank stocks with high dividend yields. The company reported 2012 net income of $501.1 million, or $1.13 a share, increasing from $480.0 million, or $1.09 a share in 2011, so the dividend payout ratio is rather high. Then again, New York Community has managed to maintain the dividend for 36 consecutive quarters, showing that its business was quite stable through the credit crisis, and providing plenty of income for its shareholders. Some analysts have questioned the company's ability to maintain the dividend, especially if it grows to become a SIFI. Ficalora said during the company's earnings conference call on Jan. 30 that "the idea that we would be governed by what other people can afford to pay is not consistent with anything that has historically happened in the marketplace. We, in fact, have demonstrated very clearly that, during a period of great risk and great loss, that we lose very, very little capital." The CEO stressed that New York Community Bancorp covered any loan losses through the credit crisis "with earnings," and that "our ability to pay out current earnings is significantly better than that of other banks."